This is not a permanent solution. They don't care about those newbie accounts with no forum history. It's easy to create another account and continue their actions like bounty participants. They Don't have to pay evil fees until they get banned, and their IP gets some evil points. Since asking for a loan in the lending section doesn't violate forum rules, they don't have any chance of getting banned. I noticed some newbies got negative feedback because they requested a loan. I cannot remember who tagged them. Oh, I just found it was Timelord2067 who tagged some newbies for asking for no collateral loans.

For Instance, It looks like this is not the correct use of the feedback system. But I understand his frustration. I don't visit the lending board. So, I am unaware of how many cases you guys have seen. You might be frustrated if you are regular there and see such newbies ask for no collateral loans.