I am relatively new, seeing all the lending I did think it was common and relatively safe, which I quickly found not to be true. Maybe a thread should be started listing all the borrowers that didnt pay back. I don't really see the need to borrow, I've made thousands of pts off tasks, not that difficult. You can post, watch videos, scratch lottery ticket, not a lot pts for these but you can do it everyday. I agree with sprocket, don't lend unless you don't care if you don't get it back.