Any user can fall on hard times. One day it's possible ppl need $10 loans but don't want to give collateral or don't have any. Desperation makes ppl behave in a way which's not normal but it's a problem if someone's sending multiple messages asking for loans.
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.