If you are not on the forum too long, your reputation is small or unknown. Consequently people don't easily to trust you. If you were them, would you trust a new member, a stranger who will hold your money? I believe you won't trust the member.
Even not all seniors are trustable especially if one's dealing with a more reputable person.
Not too long ago, I took a collateral-backed loan from a Legendary member. But due to some unforeseen circumstances, I needed some extra liquidity (my assets were locked in the custodial wallet but I had no issues paying extra once they were unlocked) but he refused despite owning mine.