Lots of loans don't get returned and the account that is scamming doesn't have anything at all on it. No TC, no items.

It's not unlikely that you get scammed when loaning, so giving an incentive to loan (random) people is not a good idea in my opinion.

I don't see loans as form of income, I see them as a friendship thing.
And in general, do not loan TC you can't afford to lose.