I agree with you Monica. It is best to lend out a good crypto and demand that same crypto in return. Apples to Apples.

I think high inflation is here to stay, even in western countries. All governments have printed far too much fiat and now the poor people will suffer.

Making a loan to another person's account on the HIVE blockchain has an extra trust feature because the person who borrows the money has a reputation to uphold for his account, and the loan can be recorded in the memo of the transfer.