Just because the interest structure is different doesn't make it any less of a loan. If you don't need the money, and don't even have a visible source of reven

Just because the interest structure is different doesn't make it any less of a loan. If you don't need the money, and don't even have a visible source of revenue or business plan, throwing away $2k USD + 5% revenue on the chance you might need credit someday is not the wisest of decisions.