• Laugh at random people less. 

It's only a pity if it turns out that some new users really have an honest initiative to get loans here at the end of their struggle, while we don't know that and can only generalize the assumption that all newbies are suspect. In the end (most cases) we just refuse and laugh it off if they doesn't comply with the default "no collateral, no loan" terms.

Of course I strongly support this proposal, but would this really prevent users from sending requests on other boards?