OK, thanks for the info. I didn't know that.

No one has criticized you for being "aggressive" tagging newbies for asking for loans without collateral, as in the case of this thread?

Apparently not everyone agrees just like on accounts that are found to have been bought. I am in favor of red tag in these cases, both newbies trying to borrow without collateral and people buying accounts, especially if the purchase was after the introduction of the merit system.