1. Yes, I am new here. I searched in google - "crypto loan" and found this site - is that my fault?
It's not your fault, but I don't believe this forum appeared into your first page, this forum isn't that popular.
I have a question now - Why aren't old people scammer? Just for understanding - is it 100% true that old people aren't scammer here?
There are old users who have a good reputation that could scam, but at least it decrease the rate of being scammed because they're risk their reputations. In your case, you didn't risking anything.