The first question I would like to ask is, Do you know what you are doing? You have written so much on your belive of the trust system but let me tell you, for the fact you have a clean heart and high moral ground does not mean others would do the same. In the past when I wanted to because of my personal believe, I trusted fully eventually I was scammed. I was so pained because I knew I would't do that to a fellow individual but eventually I realised that I should not judge others based on what I perceived to be the way of life.This has been my guiding principle ever since.

The forum is a faceless one and even restricting it to higher ranked members does not stop certain people who have several accounts that have been built and ready to throw away. They will give you a nice story, write good proposals with one intention in mind and that is to scam you. Just do the right thing by ensuring the basic rule for giving loans on the forum is followed and you will be fine.