Why in gods name do people borrow coins at rates in a stratosphere beyond that offered by even borderline criminal fiat lenders? Ie why not borrow at 19% A YEAR off credit card, deposit at an exchange, buy bitcoins, lose it martingaling satoshidice?
You are more than welcome to transfer your money to an exchange, pay whatever fees are required, and wait, then wait for a good time to buy then buy and pay the fees, then, wala! you have your BTC.
The interest rates charged around here are generally much higher than the fees associated with buying BTC. If someone without any BTC borrows BTC they will most likely have to buy some on an exchange to pay back the lender.