SJSinNYC:
If one has Nechasim, that one can pay back with them requires a source?
The better question is regarding lending without being able to pay back. I have a P’sak, I did not ask for the source. However…
It is Assur to take out a loan and not pay it back, and he is called a Rasha (Lov’e Rasha V’Lo Yeshalem).
Rambam Malve V’Loveh 1:4
? ??? ???? ????? ???? ???????, ???????? ??? ????? ??????, ?? ??? ???? ??? ??? ????? ????, ?? ?? ?? ??????? ???? ????. ????? ??–??? ???, ????? “???? ???, ??? ????” (?????? ??,??). ????? ?????, ??? ???? ???? ???? ???? ????.
As such, if you have no intent to use the money to earn more money, rather to lose it (or pay off other chovos) and not pay back the original loan, it seems that would be Assur.