My trading is done on Mintpal, so if Mintpal all of a sudden closes down or the coin itself is somehow destroyed, altered, or value goes down to zero, this is not my responsibility.
You borrow money and you repay the debt. If you want to shift the risk of exchange going insolvent and an altcoin crash to your creditor, you need to pay much higher interest. Since you are only offering low interest, it should be considered as a loan. It is your responsibility to repay in full with interest, independent to whatever happened to your investment.