It seems that @OP is the one who want to lend the money instead of borrowing the money.

Yeah I also think like that, I didn't found Binance offer P2P lending, instead they offer staking and launchpool.

How the untrusted platform harm the borrower? the borrower take the money and they can run away if they ask a loan without collateral. I don't see anything that harm the borrower even the platform is scammy one.