I don't know how keep theymos would be to implementing this suggestion, but it would be nice if newbies weren't allowed to post in the lending board.  Recently there's been a rash of trolling and spam in the lending board all because (at least one) newbies are refusing to accept reasonable advice or take "no" for an answer.  I'm of the opinion that it's all due to one troll with multiple alts, but that's irrelevant.

If someone registers an account just to request a no-collateral loan then he's not contributing to the forum, he's detracting from it.  If he has collateral, then he can afford to buy a copper membership and post a request for a collateralized loan, or send a specific lender a PM requesting a collateralized loan.  Or, god forbid, he can create an account to actually read, ask questions, learn, and contribute, which may cause him to earn a merit or two.  Then ask for a loan if needed.  

Not to mention all the ponzi scammers posing as "businesses" asking for stupid sums, promising stupider returns.

No lenders are giving out loans to these accounts, and I'm most wouldn't miss them from spamming their threads.

Benefits:

• Less trolling and spam in the lending board
• Fewer repetitive posts
• No impact on legitimate lending operations
• Possible reduction scams
• Instant reduction is scam feeble attempts