Returning to the person on his deathbed -- what about liability incurred by a person in these circumstances? What are the implications of his status for how the funds/property can be collected? Note that the witness factor is significantly diminished because of that deathbed status. Also, a new mishnah! (the last mishnah of the tractate) One who lends via a document can collect from "encumbered property" - that which has a lien on it. And again, what is the role of the guarantor? Plus, the value of studying these laws of property, in accord with Torah requirements. Also, the Gemara's analysis of when the loan can be paid back from encumbered property and when not -- it's a machloket! Between Ullah and Rabbah with regard to which approach is the Torah law. Plus, the exceptions made are done so out of concern for, on the one hand, the customers, and on the other, the borrowers.