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.
It's not a direct relationship. It's just a very rough estimate of the effort invested in your identity. Someone with 4 posts is more likely to throw away their account for 1 BTC than someone with 1000 posts.
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.
Good luck.
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.
Problem is, since identities are disposable, transactions are irreversible, and prosecution is out of the question, your credit rating starts at 0, not 800.