Every lender has the right to put his/her/their terms. It's up to them if the no collateral loan is worth the risk of getting scammed, rather than trust-farming (what I believe you are suggesting here).
Right, lenders have the right to lend on their own terms as they wish.
The point I was making is that the OPs loan request is not automatically a scam attempt on its face. If someone lends to him, the OP may not repay the loan. But it is not a foregone conclusion that he will run away with whatever money he receives.