I asked for a loan to help with my dogs operation years ago. It was a Non Collateral loan. I could have been fast triggered Red Neg. but people started asking questions and i answered them. After all was said and done i got a gift from a user of $1K or 1 BTC to help with the surgery.
Moral of the story? Don't jump to conclusions with a few posted words. Not that you do. The example is for others.