I see a lot of users (including me) are trying various ways to gain additional interest on our mana. This seems to be a direct contradiction of the community guidelines, specifically the second bullet point:

Users don’t take advantage of bonuses and other free mana sources we provide.

Will any users be punished (a little or a lot) before the end of the month? Just getting a 'verbal reprimand' won't count. Changing the criteria for loans so this is no longer effective won't count. Someone has to get fined, banned, lose privileges, etc.