Another approach to this topic could be to make the whole lending section inaccessible to newbies. Not only for posting, but also for reading. Basically a closed section from member level and up.
Don't know if there is any section in this forum that works that way but in other communities you also have something like an "expert area" which you can only enter when you meet certain criteria.
AFAIK there is no section like that on this forum but I know there are similar ones in other forums.
In general it is for a different reason that I know of, it is because controversial things are posted on them that you don't want to be able to find at the click of a search engine.
As there is no such section in this forum, I doubt that it will be implemented, in any case at best we will convince theymos to have the lending section restricted in a similar way to the Serious Discussion one. But that, if he decides to change it, is not going to be tomorrow. He usually takes his time to make changes to the forum.