The chance of scamming is high by those who repay loan and trying to take large and after paying that asking larger and this way continue and once a time the user default the loan. Though there is an exception and but the chance of scamming is too high.
Have you ever thought about having limits you can send to an individual? Even for people you have lent money in the past and successfully paid back?
When I watch the lending board, there are members who are the highly suspicious of eventually defaulting a loan. Someone borrows a loan of $100, repays it with interest, then after a few days borrows $200, repays it then with interest, after a week borrows $300. Such activity is a time bomb
Such a person can live without loans, but they are trying to create some trust between you and them so that they can at one point scam you with high amounts.