I read the stickies and they don't explicitly say you can't take out rep loans, however they discourage it because of many people continually taking out bigger rep loans and then running away with the money.
That might be one reason, but the other is because you're trying to gain reputation and that's discouraged. The main people who try to gain reputation are scammers who try and get a good rep before the scam.
That is true and I understand your concern, it certainly looks suspicious when someone who is new tries to build rep. I'm not trying to build rep to scam, I'm only building it so I can be trusted as I may start a service that requires me to be trusted(like an escrow service).
Even more of a discouragement from the community if you're trying to start services like escrowing from this.
Also; would a scammer building rep say that he was building rep to scam? No. He would phrase it similarly to you.