I guess you feel that Vod's warning doesn't hold as much weight given he isn't active at the moment?
The fact that your profile trust feedback reads "This user's password was reset recently. This user recently woke up from a long period of inactivity." along with a lack of collateral, repayment option, need for loan etc. makes me believe you wouldn't repay an loan offered to you.
Actually Ive been travelling so havnt logged in 4 a while. hows it goin ?