Loan mean that has to get paid back.
Now, I do prefer to not give loans because people normally are bad paying back and look for excuses to not do so.
I rather prefer to give some than to lend. Sure, I am not rich guy just average American guy surviving with family but doing ok. Not a selfish person even offered packs and tokens for competition grants. Sadly, we cannot give few things around if wanted to each other.
Will be nice to have some forum grants that can choose and give something to game contributors and forum participants. It was ok when TS used to offer few offers to the community. I was able to get two offers in summertime back in 2020. Sadly, when they changed forum, the owner indicated that can't work on that with the new forum accounts.
For example, a grant for forum rank progress with post, likes, art, for helping other players, bringing ideas, interesting game discussion and improvement, between others to give an incentive and have more participants for fun etc.
Will be nice to see something like that for many players here that make contributions, keep some fun etc.