Imagine a newbie using multiple accounts to ask for a loan. Even if 1% of his attempts were successful it would encourage him to keep going.

If he was a genuine member looking for a loan he would have made some effort with regards to collateral and asked for a small loan in the beginning. He first asked for 12500€ before trying again with a much more manageable 65€ but it was too late as he had already been marked therefore the thread should be locked.