You can't tell me what to do and what
not to do! ... Not everyone, apart from you, is here to "scam" people!

Anybody can scam another person in future. Trust in this community is subjective and you are trying to extrapolate things you dont have any idea about.
Please don't generalize and speak on behalf of the entire crypto-community just because you don't understand something!
Nobody is generalizing anything. We have seen too many scams happen and people to fall for them. Whenever the terms are not clear its just fun fact that the loan ends up being defaulted? Talk about coincidence? I call it scam.
Back on topic : Can you explain how the lender is secured after these apps are collateralized from social engineering and not recovered by the original owner during the loan term?