Because this isn't a bank, it's a community; a forum.
Did you forget to mention charity ? Of course you did not.You're right this isn't bank or a charity.
Besides in real life the people who deny you that loan are certified and have quite a bit of an educational background, meaning they are much more qualified.
What the fuck do you mean ? People who give loans don't have a degree ? What does that has to do with lending money anyway ? Its their hard earned money ,they can't simply risk it in the hands of a just born newbie account who doesn't know how forum works and neither offers a valid collateral.
It just ticks me off that all I did was ask and when i provided collateral and they told me it wasn't valid i withdrew my request, just hate how people rated my trust negative over that claiming that I was trying to steal money.
Maybe you weren't.Not like the ratings are permanent and it certainly doesn't change the person you're so why worry ? Be good around the forum for a while and request them to be removed ?