Another doubt I have is regarding neutral feedbacks, I have seen that people leave neutral feedback, even when there has been monetary exchange and you also mentioned something about it in another post. I don't quite understand it, isn't trust feedback supposed to be precisely for that? If you make exchanges with money involved, and they go well, I understand that the feedback should be positive.
Another way to see neutral feedback is as sort of "protection" against trust farm. I am sure that scammers would gladly take few hundreds of dollars loan in exchange for a positive feedback from well respected lenders so I am not surprised that they tend to give neutral instead positive feedback.
Call me paranoid, but to me bunch of those little loans look more like a trust farm attempts rather than a real need.