Oh, a bank that lends money and instead of stealing it, that's a revolutionary idea!

Now seriously, you are taking a huge risk in doing this, you should make sure to lend money only to the most reliable people, but in itself it seems to me a very interesting idea to see how the interaction between both parties works in a community like Steemit, in where it is assumed that the vast majority of users are between libertarians and anarchists, we must see the idea put into practice.