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.