[Natufian]

A loan repayed equals no debt and no liability. So you really need to explain where the problem lies rather than making it up as you go.

[Egg]

I'll give it one last try:

Why don't you loan me a few thousand dollars so I can make some investments? It'll be good for the economy. By the way, I may have some assets, but no liquidity, and my future income is highly uncertain. Oh, and the interest I'll pay you is below market value. If you don't have the cash on hand, I'm okay with you stealing some schmuck's identity and taking a loan out in his name.

If I ever get around to paying you back, you should probably pay the schmuck's loan off. Or not.