⭐ Merited by BrokenM14 (1)
Blocking newbies from my view isn't what I'm hoping to achieve in my support of what DireWolfM14 is proposing, it's blocking newbies from being in the lending section totally.
Yeah, I had a hunch that that's how you might feel. (Don't ask me why, you just seem to be the type that finds rigid rule enforcement to be a very satisfying thing). 
I'm looking at this problem through a different lens than you, I suppose, and I'm basing my thinking on what DireWolfM14 is hoping to achieve:
My suggestion isn't about protecting lenders or preventing defaulted loans, the lenders are quite capable of taking care of themselves. My suggestion is about reducing spam and trolling, and keeping the lending board a clean and practical place to conduct business.