The ingenuity of your recommendation is something commended and like other members I do align with your idea. Like how reasonable does it seem having someone join an organisation and starting up with a request for a loan from the organization without having contributed in anyway to the development of it. For it therefore entails that your obsession for a loan is what drove your membership interest and nothing more.

There are some other child boards that newbies are restricted from participating with the idea of avoid trolling, spams and the lending board shouldn't be exempted anymore.

It's true the forum wasn't created with the intention of restricting members from accessing certain areas of the forum but unanticipated issues may arise that demands such decision. Like the popular saying goes: difficult times demands difficult decisions.