This has be proposed before... I have to vote no and here's why.
The problem is loans already provide little to no real income. Based your your math I would be very easily be able to out muscle any competition I wanted. As my CEO's and empires have low net values right now due to the markets, but I know that I'm normally around 3-4 quadtrillion dollars. The amount of cash and wealth I have it would be easy for me to offer huge amounts of loans at almost no interest just for the sake of offering money. Most other vets would be able to do this with ease. Also the income on loans is very LOW
10 Trillion loans = $600 million a month in income.
100 Trillion loans = $6 Billion
Making a competitive market would only lower prices which would be good for borrowers such as new players, but terrible for new-medium level players looking to offer money. Also in the later stages you make so much monthly by running a well manage