Is a jnr even worth 0.01? This is why you get collateral that is worth a lot more then if they do default you can easily get your money back or maybe even more than you originally lent out if the account is decent. For instance, if you take a Hero as collateral lend out 0.2-0.3 or something. If they scam you you could probably sell the account for much more than 0.3 so you've made good profit. In fact, better for you if they do scam but getting decent collateral usually means that they will pay you it back so it's a good guarantee.