Newbies concoct all kinds of sob stories and invariably someone (usualy another unsuspecting newbie) will "lend" them funds only to have the borrower not return.

A newbie who lends just enough often enough could then progress to member ...etc and become Legendary then carpet pull / exit scam with the Jackpot such as walking away with privkeys, or worse still the bag of the Forum itself having gained trust wholly through taking out loans.

Along the way hardcore scammers just ask for loans and walk away with the lender's funds.  We've seen it happen all to often - check out the scam accusation threads if you don't believe me.