Bitcointalk is a great opportunity for everyone living in a poor country. Anyone who has been in a signature campaign in this forum for more than 3 years is not supposed to be having $2 to $10 challenges. Saving only 10% of ones signature earnings for 1 year + bitcoin price increment is okay to solve minor financial issues.
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For emergencies, anyone may take the loans even those who have a lot of altcoin/bitcoin because they do not want to sell those coins and also they do not give as collateral as it might be sold automatically if the price decreases. But the problem is about the multiple messages of the loan request which is frustrating. I have seen several people like this but that is not for a small amount and those are proven scammers/spammers who have not been allowed any loans.