1. so if you can change anything at anytime,
what prevents you from making a burdonsome claim upon your debtors?

You could lend me 1 WIP and say tomorrow that
I owe money for it.

2. Since no one owns any WIP, i wouldnt be able to
get more of it to repay the loan unless I traded
freely for it.  So that is already burdensome.

It is for those reasons that I've decided I no longer
want to borrow WIP.  However, if you want to
give some to me a gift, I will accept it.