Well there is always risks but i will sent back your loan plus 20% interest in POOL! It might be very lucrative!
Only fool can take this type of risk. If you default or there is a chance of default then if you promise 20000000% interest that will be same.
Same rank of you took 40$ loan and defaulted because it was without collateral. And the collateral you are offering same of without collateral as it has no value right now. So, if you don't have valid collateral then better to lock the thread otherwise there is a chance to get negative trust from DT.