Jack, the fact that a Bitcoin company is offering loans of any kind is an insult to everything that Bitcoin stands for. It's bending the knee to the debt based systems that hold our entire global civ...
And just to clarify, I do NOT believe that you are stealing other people's Bitcoin. But what you are doing is just as bad in the long term. Stop using debt based models on wealth based infrastructure. Build wealth, and let's leave debt in the past.