You can read, right? When it says its not an official rule then its NOT AN OFFICIAL RULE.
It means a user won't get banned for asking for a loan without a collateral, but they won't get the loan and may get red trust if they continue with false claims of trustworthiness.
Little bxxxh vod gave me a neg feedback for no reason. Great forum u have here, retarded long time members are allowed to harass honest users.