I might be nosy so ignore me if you must but I am always wondering what do people who take these loans do with the steem or SBD, do they sell it for fiat or use them on steemit? Whatever the reason, I'm sure many are glad to have bank of neoxian here :)
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They do it for all sorts of reasons, you will have to ask them.
I wouldn't ask, it's non of my business and I respect their privacy, I was just thinking out loud as my mind goes all over the place as it does, wondering about many things :) You are right that people do things for many different reasons :)