So many questions I have:
Why borrow 400k?
How does one carelessly burn through 400k? 100k maybe, but 400? Shiet.
Also, you can't get banned no matter who it is. Shiet, I gave out a loan before and Toast said "Loans aren't a scam, you ran the risk of loaning tc, it's you're responsibility to get your tc back" I doubt he can bam you for "Not paying back a loan"