Manifold loans are no longer automatic and now require clicking a button every day. While it could have some benefits, especially for users who don't understand the loan system, it's widely considered to be an annoyance for power users, with many saying in the Discord that it would be a major turn-off. It's especially annoying for bot users.

General policy for my markets: In the rare event of a conflict between my resolution criteria and the agreed-upon common-sense spirit of the market, I may resolve it according to the market's spirit or N/A, probably after discussion.