The idea came to because even though we manage our funds well, we often fail to correctly distribute out SBD or STEEM for upvoting bots etc. All of a sudden you figure you want to write about something important, and then your SBD's are gone. No incoming payout the next 24 hours! Or you want to purchase an account spontaneously from 
That's where 
comes in.
But then I realized that why really limit it to that? What if someone need money for rent? Or something else? Or maybe they need money to invest in something? Of course, I'm running a risk of being scammed. But I saw some other guy doing the same here (I don't remember his name) and he rarely experienced that. It was so seldom that he could take the small loss it seemed. The cool thing is that you, as a borrower doesn't run ANY risk, as long as you pay me back. The sanctions are social, and I will only borrow out to people that I think are worthy. I will follow my criteria that I've listen, but I will also do a personal judgement. (I'm usually a good judge of character). If you don't pay back, it will be known. And I could also downvote you if I want to.
