Even though I'm new to the forum I've read the rules and I have guarantees for the loans, plus there are people who do not take time out of their day to read the rules.
A perfect example of a recent post:
https://bitcointalk.org/index.php?topic=2130402.0Yeah, I'm also semi-new to Bitcointalk and have read the rules, etc. I guess most newbies ignore them on purpose and skip to the scamming part.