Being newbie account... I don't think that anybody would lend to you unless you have proper collateral or personally knows you. For now you have bigger chance to get negative trust feedback for this. Do 15$ worth it?
Yes, it's worth it. He can create as many newbie accounts as he wishes and if he get's $15 for every account than he would be a rich man.
I beg to differ, since there's absolutely 0% chance somebody would give him those 15$ without collateral...
Then edit the topic.