Thanks to OP @DireWolfM14 for bringing this topic to infornt of us. Not only the lending topic but there are many other topics where the newbies are spamming whether they understand it or not, and which is very annoying to us many times. And I think that by newbies it will happen, that's normal.
And so I think it is necessary to add a setting that not only prevents newbies from spamming in the Lending topic but also restricts them in all places where they can spam. And the first thing that can be done for this is that, for example, we have a setting in the PM option where we can prevent our inbox from newbies PMing.

I think such an option should be there for op of topic where he can restrict newbies as per his wish.