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[Daytradin]

This can't be.. because then we're at the same place we were.. Me basically insuring your loans.

If the people don't pay back the loans, you are out of luck (Go break their legs!)

The only problem with your 'bad loan insurance idea' is that its ripe for abuse. I'll explain

User #1 makes an account, brand new.. user #2 loans him 10,000 points. He gives the user the points, use spends them and never comes back again.
User #2 files his claim, he gets back SOME points every single time he does it. See what I mean?

First my suggestion was that the defaulted borrower's account goes debit but never mentioned that the lender be credited at that point, hence PO is not not "in the same place we were". In the entire post it was never suggested that PO back anything.

Second, you have used an example of 10,000 points which is 10x the limits in the example of 600-1000 points. So I do get the point that hanky panky could occur but somewhat blown out of proportion.

[Zab]

First my suggestion was that the defaulted borrower's account goes debit but never mentioned that the lender be credited at that point, hence PO is not not "in the same place we were". In the entire post it was never suggested that PO back anything.

Second, you have used an example of 10,000 points which is 10x the limits in the example of 600-1000 points. So I do get the point that hanky panky could occur but somewhat blown out of proportion.

I just have to figure out a way to freeze the users points, or whatever he earns goes back to the person he borrowed points from FIRST

[Daytradin]

I just have to figure out a way to freeze the users points, or whatever he earns goes back to the person he borrowed points from FIRST

Every user has a new field, "bad loans outstanding (BLO)". This account is credited for the lender as the borrower's account is debited during a default. When the defaulted borrower's "BLO" has a negative number, any earned points decrement this negative value before their available points balance goes positive. The newly earned points transfer to the lender and his BLO account is reduced. Additionally the BLO account would list the bad loans and borrower's making up the balance.