Im not asking for your opinion dude
You are asking for a loan, a person makes a completely friendly and a valid point and you answer like that?
Good luck getting a loan (not really), as i would not personally trust a person with attitude like yourself.
Lenders usually prefer to do business with reasonable people, which you do not seem to be.
Also it is pretty obvious why you are still sitting on default merit, as your contribution is garbage and not even worth of 10$.