HyperLoan is a reward for outstanding promotional efforts. It also plays a role of a product sampling for those who don't have any HYP but like the idea.
HyperLoan is first and foremost a way to increase the
visibility of HyperStake by giving a one-time access to "super-faucet". This acces, though; comes with a price: you must ask for it, create a dedicated address and give the principal back. All of this requires you to
understand how HyperStake works. That's why I also compare HyperLoan to a serious game: you learn something (HYP) by playing (staking and using coin control). Experience proves that even longtime holders learn things about Hyperstake (creating a address, splitting block to try to optimise their staking...)
The outstanding promotional efforts are "just" a way to prioritize candidates - I did not expected such a success, so I had to find a way to sort people.
If just updated
http://hyperstake.wikia.com/wiki/HyperLoan to make it clearer for newcomers.
Agree, too stiff formulation, a little misunderstood. It
be a reward for a promotion plan or some idea, a separately standing application of the HyperLoan feature. The sum of a loan can be enlarged to create a good stimulus for producing and for implementing this ideas. And the risk of non-returned loans can be eliminated by a dumped private key and multisig (in theory).