Easy to understand that no one with a bit of intelligence will give no collateral loans to newbie! Just seems An attempt to get other users' personal documents and proof of income
That's assuming that dollarday isn't CYBER_COWBOY's alt account.

The other question is who's going to pay 21% interest for a week-long loan for one dinner's worth of grocery money? There's definitely something phishy about CYBER_COWBOY's offer, and he has no leg to stand on calling out other members as scammers when there's no evidence of such.