I think you are being harsh. Interest free loans are offered all the time. For example I was offerred and took one up from my bak a few years ago.
For university education expenses Australia offers interest free loans that are only payable back through the tax system when you earn over minimum wage.

There are plenty of examples in the real world of what this proposal is asking for.

If the proposal adds value to the Splinterlands ecosystem then it adds alue to the DAO.

The DAO in isolation is worthless and focusing on direct financial return to it is wrong headed.