Borrower and Lender Be - Edit

[Seraphim]

I think the logic fails me for the lack of the word ‘collateral’. Most transactions, except among friends, involve some form of securing the loan beyond trust. Lenders are notoriously not trusting. Now if this was intended as a loan between friends, which wasn’t addressed, then the comparison to a loan-shark isn’t appropriate. A loan shark demands collateral - one’s continued health.