i would love if people could easily try out algorand and its dapps, its just a pleasure to use algorand and even after i found some interesting new protocols on other chains with good UI i always come back because the underlying blockchains are not as good to use.
but i honestly dont understand the idea really as its easy to generate new addresses (drain the liquidity of your protocol) + a lot of projects dont have any easy way to opt out of smart contracts in a way that frees up every ALGO. so they would be able to pay back everything. also how are they supposed to pay interested if they dont buy ALGO on exchanges? additionally, if someone tried algorand out and returned the funds, why wouldnt they buy ALGO the next time on exchanges? i dont see why a user would use the protocol more than one time which would mean the credit rating wouldnt get used really