Now to my question. If you "vouch" for someone that they are trustworthy and they take a loan, is the person who vouched putting their reputation on the line? If you didn't trust a person to repay, why would you "vouch" for them?
I wouldn't vouch for any service I haven't used in the past or haven't grown to trust over time, otherwise I would look at it as shilling. I don't see any point of vouching for them if I don't trust them at all, unless if there is some hidden deal/interest I am not talking about. By vouching for them, yet I have never used their service or loaned them any money, should anything go wrong, my reputation should be under fire as well.