but then how would the forum would know who to restrict at the get-go? do newbies need to be restricted as a default and would only be exempted once someone, a mod or a staff verified that the newbie was in that board to actually post a lending thread?
If we refer to restrictions on serious discussion and ivory tower boards, the restrictions apply to all newbie accounts and there's no exception even the newbie had 10 positive feedback, become D1 member etc. But this restriction is lighter since they only need to buy a copper membership to post an offer on lending board.
Although someone who bought a copper membership rank aren't always legit, but this might reduce troll because someone can create a new account without pay anything and immediately post a crazy request.