You do not need to accept anything as the A.L.M. are not in the text and do not affect a teaching of the Quran.
If you understand and apply all the do's and don'ts of the Quran then by all means indulge in some aspects that require speculation about the Quran, but do the basics first.
Except 19, stay away from that nonsense! LOL.
As per your loans and women question, the Quran has this requirement for this only and it is up to society with due reflection/consultation to apply it or not to other things.