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Like mk4 said, this is a total no-brainer; +1 all day long.
I get that this runs afoul of theymos' mission to make the forum as free as possible, and that is a principle I largely agree with, but there's no universe in which this particular proposal would cause more harm than good.
- At first, you understood theymos mission of making the forum as free as possible. This is nice. I have seen similar suggestions about newbies but theymos didn't act and all is well since the DT power is not in the hnads of the said newbies
- I don't think that there is any lender in the lending board who is willing to lend to any newbie without a collateral
- So, to avoid spam, such newbies should be ignored outrightly or be warned and if they persist, they'll be tagged and everyone moves on