Hasty generalization. This disadvantages newbies who do have a valid collateral. Although the chance might be very small, it isn't 0%.
By the way, I don't think people are dumb enough to get fooled in these kind of situations

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I know but it clutters up the lending thread. This is not a lending forum. You want a loan? Spend some time on this forum and rank up your account or go to BTCJAM or something
I tried btcjam before but its hard to loan there because you need to give all your real information before you can start to borrow..
better to loan here because i can laon my account..
And yeah many people here are newbie asking for none collateral loan but we dont need to ban those people maybe they didnt know how lending works..