Noted, You could have left the Feedback neutral, No ones born as a legendary member here, and no one bring trust score from home, they accumulate the score here.
Consider your tag or let me know if this is written that you can use your tag power for newbie asking for loan, I am a year old btw here.
You are a one-year-old account, and you still don't know that you need collateral to request a loan. Sorry to say it, but I'm with Charles-Tim on this. Anyone, newbie or not, should be tagged accordingly based on their request and history. Your request is without collateral, and your history indicates a disappointed gambler. Nothing can assure any lender that you will repay him. So, instead of giving lectures on how feedback should be used, offer valid collateral, or lock your thread before you get more than one negative.