I'd add crypto loans here, because it seems bizarre to me - loans imply giving someone a lot of personal data which is simply against crypto ideals.
Crypto loans work but only when the borrower can escrow something of equal value.
For years people have been using bitcointalk crypto loans to gamble or trade when they knew they'd get money from their campaign in a week or two but needed some coins at hand fast and couldn't wait for the payment.
Real estate scams are very easy to verify because these scammers can't make photos themselves and often use stock ones that can be reverse googled.
Yeah, crypto loans are fine and you need something to make sure the borrower won't try to cross you and uphold the deal. Heck, personal data are an easy requirement for a lot of borrowers to take a loan, provide their data is real. Real estate crypto thing is a stupid game that all the risk is on the crypto holders, not even talking about if it a scam or not.