Good Day, this idea is not new, it has existed for many hundreds of years... the idea is interesting but still it is the principle of Bank loans or loans from moneylenders and entails debt ... As it was many years ago before the advent of cyber currency and even banks.

I note that there already wrote about the fact that this idea is real, but if each loan or loan to provide any collateral, as was done in my entire life, even when people took each other in debt, but leave at least a horse  or pig, for example  now it can be a car or a property ( for example ) ...