Hi,
Safaricom is being a shylock in this case. It is a voluntary thing which you can take up if you are eligible and willing( no forced subscription). The Only Problem would be if they did not disclose the term and conditions regarding this service.( Hidden Clauses)
Secondly Not only sunscriber are eligible for this service. I believe There are conditions that you must fulfill before you are eligible for the LOAN.
This service is not unique to safaricom, MJ Himself stated that this service was borrowed from Egypt.
caveat emptor ( Buyer beware)
regards
Patrick