With the new trust system, the new negative trust comments do not have the impact that they used to have. There won't be a big red score display and there won't be a message stating to trade with caution. They only thing the negative trust comment due is cause the negative tally to go up by one. People are now encouraged to actually read the negative trust comments. The guideline for leaving a negative trust comment is now as follows:
Use-case #1 is the old trust system, but I made the descriptions on the rating types a bit more general and removed the concept of a trust score. The numbers are now "distinct positive raters / distinct neutral raters / distinct negative raters". You should give these ratings for anything which you think would impact someone's willingness to trade with the person, but you should not use trust ratings to attack a person's opinions or otherwise talk about things which would not be relevant to reasonable prospective traders.
Apparently, LFC_Bitcoin thinks it is negative for this particular user to ask for a no collateral loan. However, since many people ask for no collateral loans, many potential lenders may simply ignore this.