Too bad there isn't a way to get your points back, like insurance or something... LOL jk \/
I think they are just putting as much effort into reading this thread as they do into improving their games.
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What insurance doesn't pay (interest) it makes up for by charging a default charge so you do get more than just the principle by debt collecting and insurance.
i only loan to players i know!! and have always gotten my points back!! safer that way!!
i dont bother loaning people anymore. and insurance is useless when it gets down to less than 500 points. i got 16 points from insurance yesterday after loaning someone in early may and applying insurance every week.
I will just be more careful in selecting people I loan to.