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At this moment need a trusth third party so I use @canje a long going business of remittance to Cuba with HIVE, HBD or LEO.
The difference between curation and Savings for the one to take the loan is cover with the chance to make liquid that HP fast. But I taking in account that most of people don't have HBD in Savings, most just swap HBD for Hive and do power up or directly spend it.
This is a niche idea, see it like another choice for people that want HP but desire the chance to make it liquid without have to wait 13 weeks.
I hear you, but keep in mind there is already ways to make liquid hive by delegating HP. I'm not saying the idea is not useful, cuz I think it is, I'm just pointing out some possible issues to deal with in the implementation.