I'd consider loan sharking for this game if the mods would both allow it and enforce repayment terms. My loan fee would be the inverse of borrowers win/draw rate plus a 25% risk surcharge.
@slypups, your loan fee would be 100%/(22%+44%) +25% = 177% , so if i lent you 4,500 points, you would owe me back 7,965 points after the game.
@monfils, until you demonstrate your first win or draw, your interest rate would be 100%/(0%+0%) +25% = ∞% (infinity %) , so unfortunately you would not qualify for a loan as it is highly unlikely that you can pay back an infinite number of points.
@pjmansfield, since you "totally guarantee" repayment, I would reduce the 25% risk surcharge to 15%, provided you put up sufficient collateral, such as a car or house or first-born.
Additionally, for those that cannot repay all of their points immediately after the game, points would incur a 10% monthly interest charge on the full outstanding balance, and would have to be repaid at a minimum of 100 points per month or 75% of a players monthly point balance close (whichever is greater), until paid in full.
Finally, a note to the mods: I will not both play in and loan-shark this game. The risk of losing so many points by playing is too high without the extra 25% risk premium that I can earn through loan sharking.
Good luck players! PM me your loan applications ;p