t might be better for you to tighten the loan rules for new borrowers which aern't prominent users (if you agree to their proposal), eg limiting them to a smaller amount eg $50 or less for a few trial loans until you have cleared any doubt that the user won't try cheat.
It seems that the user's status as a promoter of a certain campaign is no longer a reliable guarantee to give them a loan especially if they have only been accepted for a few weeks, the fact is that we don't know whether the campaign salary is only their main or side income.
I really highly appreciate your observation and opinion. But there is a lot of scammer with a lot of scamming technique. Few users may overcome your opinion as they try to take small loans and day by day increase the loan amount. Finally, try to take a large amount and default on the loan. For reference, you can see
Continuous,
meatmeat and many more. These users took a lot of loans and finally defaulted on the loan.