I'm with VINSIN on this one: they could be scammers trying to steal an easy 0.015
BTC/$150, without having access to the account.
So as a conclusion, I propose to consider current accounts valuation drop while accepting non-collateral or account pledged loans.
Therefore loanable amounts for such loans should be lower than acceptable "exit price" for hero/legendary members. My current estimate is: up to $50 for legendary and $30 for hero members. Another question are such loans make sense for both parties
I like to think I would instantly get a $200 loan, no questions asked, if I ever apply for it (but I would never give my account as collateral!). There's a huge difference in trusting an active account, or trusting someone who has (many) farmed Legendary accounts with only a few posts in the past months.