There arent any credit checks since the loan is backed by the value of the cards, meaning the entire process is confidential and kept only between the lender and the borrower
I wish wed see more mechanics on that end
But there are a few shells where it's even stronger - the first is Group Hug, where you want people to draw cards with Temple Bell effects that include Blue, so you can encourage them to attack someone and kill them off while drawing
Youre more likely to get scammed than find the deal of the century
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Seriously, Id have been content with some minor ability to go with the cost reduction, and we got a planeswalker