<prompt> Human: I see no downside to this. The rate is 10, but I could cover it within the week by selling funds if need be.The funds appear in my account instantly. In the meantime, the money I would have had in a savings account is out earning whatever the market earns.  <response>: The downside is that should you lose your job they likely wouldnt lend anything to you, and being out of work is exactly when youll need that emergency fund most. 