It's not that the newbie's account is bad or not bad. You can't judge a person by their forum account. It's all about trust in the user. It is clear that Hero or Legendary accounts are more trustworthy because many of these accounts are involved in subscription campaigns and this can be taken as a guarantee that the user will return the credit. Otherwise, he will lose his earnings. Again, it depends on how much credit we are talking about. For example, if 30 USDT was asked for by a user who is participating in a subscription campaign, he would have a chance to get this credit. I don't think he would risk his account, which is making him money, for 30 USDT. I repeat, it's all about trust. There is no trust in your newbie account.