Responses
I was thinking the same thing. It looks like Bane-chan knows more about him then he knows them. They just could get anybody for their club, but they already handpicked Morisaki. A scapegoat for their targets maybe XD?
If they just wanted new members they could've schemed some. But Bane-chan specifically targeted Morisaki.
Does Bane-chan know Morisaki from when they were kids? It seems like he already knows about Morisaki's bad luck and told his friend. Which is why they weren't surprised by the incident with the water pouring on him.
If so, this might also explain why he uses the Gardening Club as his cover knowing he could get Morisaki through his love of gardening.
But why a loan shark club? What do they plan on doing with/to Morisaki? Make use of his bad luck?