Hi could you clarify some thing for me, please ?

1. " Someone wishing to borrow $100 dollars from the BitShares DAC must find $200 worth of equity (bitshares) to back the loan " - if I have 100 PTS worth now 7$ I can borrow 350$ from you for free ? If yes and I understand well you just hold 100PTS as insurance, but

a ) what if 1 PTS goes lower than 3,5$ and I don't want them back ? you lose money (?)
b) Where do you get 350$ from ? (if u just hold mine 100 PTS)

2. How this "bank" going to earn money ? And for now PTS are worth 11 000 000 so you need at least 22 000 000 USD
a) "BitShares offers a bank account that earns 5% interest" - daily/monthly those interests ?

3. How to buy a share (became shareholder). Is PTS this ? Or something new ? (I can't find, sorry)
a) How many shares will be issued (not sure if used good word ) and that amount is final ?


If you think I should read someting (FAQ would nice) link me please.