I'm thinking of getting a P2P loan from a site like "harmoney" or "squirrel money" and never paying it back, I don't plan on ever lending money in the future, I never will have to anyway, if I am ever in serious financial hardship my family has money to help me out,

What would be the risks of borrowing money from p2p and never paying it back? besides having bad credit and never being able to get a loan again, I'm thinking of putting it in crypto so they can't reposess anything btw