Vkontakte and WebMoney launched a loan service. What is dangerous for users?

Today, while viewing web-incidents in the last 24 hours, I came across an article on webplanet.ru . The article is directly related to the social network "Vkontakte" (generally speaking, and Facebook too) and the online payment system WebMoney. And although I am not a user of this social network (and the article of the 25th), this article interested me!

I will not deal with copy-paste of someone else's information, especially since those who wish can always read ( this or this ). Retell only the essence for the lazy employed.
So, six months ago, a new “trick” appeared in the aforementioned social network, which recently turned into a microloan service, the Mutual Assistance Cashier. The essence of the service is that users can lend to their friends using their webmoney wallets. A necessary condition for such "mutual aid" is a friendly status.
It would seem: “well and cool! you can give / borrow if you are impatient ", but:
- I know from acquaintances' stories that there are cases when completely strangers become friends;
- the largest social network - a tasty morsel for hackers of all stripes, and no one is immune from hacking an account;
- Aaaa ... social networks are penetrating deeper and deeper into our life (well, this may seem like a positive thing to someone, but not to me!).
I drew attention to this message, because He himself thought about creating such a service, but stopped at the moment of deliberation, how can I claim money from the debtor (you can, of course, use the certificate mechanism ...)

In general, with this topic, I wanted to convey my opinion / caution to others and find out what the respected Habrasoobschestvo thinks about it!