How would you go about doing this? As an example, if you loaned someone 167 monero to buy a car and expect them to pay you back in 7 years like a bank does you would be requesting 167xmr*6.02% (to counter xmr inflation) for a total of 177.053xmr. 177.053xmr/84 (months in 7 years) would be 2.107xmr a month. At the moment that is fine, but if the usd price of monero rises and the borrower is being paid in usd then they are going to default and you will loose the xmr. The only way I could see to counteract this would be to lower the Monero payments per month, but then that would take even longer to be repaid.

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[–] shortwavesurfer@monero.town 1 points 7 months ago* (last edited 7 months ago)

That's definitely a thought, but I'm wondering if even repossessing the car would be enough to get you the rest of your Monero back when it was sold.

Edit: Effectively, when you borrow money to buy something now, you are shorting the currency you are borrowing, and shorting Monero is a really monumentally stupid idea.