Would you loan a stranger some money if they knocked on your door wearing a balaclava and asking for money? Would you deem that person trustworthy or not? I mean, they might pay it back but they probably won't. It's a similar situation here. Some people might have the best of intentions and have every intent to pay the money back but if they lose that money or are struggling to pay it back then most would just think fuck it, and leave never to return because there's absolutely no repercussions if they don't pay it back. I would think that the vast majority of people that ask for loans here without collateral wouldn't pay them back if they were given and that's why people leave feedback because they believe it to be untrustworthy behaviour.