I wasn't aware that accounts had a money value associated with post count, which depending on post quality could be a pretty subjective thing.  Anyway, I get it, and understand why one would not loan out funds to me, or anyone on the internet.  Here's the problem though - I'm in need of a very short term loan, so mailing some sort of collateral and doing a transaction like a pawn shop doesn't really work as by the time the lender gets the collateral the need for the loan no longer exists. 

I'm aware of the lending sites that exist, but I'm not really keen on uploading personal documents to a website, especially with the potential for hacking or misuse. I'd potentially be ok with sending someone personal documents, but the same concerns are there.

There's got to be a way - and I have no idea what it could be - to do these kind of short term loans with BTC but having some kind of credit rating in place.  Without a scammer running the credit rating agency of course.  Post counts only really show that you, well, post a lot.