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You address it by explaining where the bitcoins come from for the 'guaranteed' payouts.
Credit cards make money by charging merchants a fee, charging interest on late payments, etc. And they mitigate their risk by running credit reports on borrowers.
Legitimate lenders do something similar.
So, I'll ask again: what is your business model? How will you make the money to payback the people who are sending you X bitcoins and expecting to get X+Y back in a day?