You know or can you try to imagine, how many ppl post here and promise that they will pay?
a promise is not a collateral...
So, better offer something valuable or lock this topic.
Exactly my point as we have had several reasons why people will ask for loans. I have even read an epistle all because of a pending loan but guess what, it does not hold water so there it cannot be quantified then its not worthy. Same for loan lending, how can you offer as collateral something so worthless of what you intend to borrow better still you can try offer your account for sale to know its actual worth...