Ian Bakewell was lucky he didn't scam me.
ATC seems to be making an effort to pay according to John's texts, he's just got a shit luck it seems, so I'll give him a break.
The problem is, even if you start working your ass off the moment you receive your loan, and decide to pay back as soon as possible, maybe even pay your first instalment with whatever you get just a few days after you take the loan, bitcoin still would not forgive you for daring to go short against it. The kind of "round the clock" bitcoin price increase will probably breakdown most people mentally within a few minutes after they take a BTC loan, and if not, within a few days....
Don't lend in BTCs, it's not going to end up well for both the borrowers and the lenders.