Let the newbies taste what is the possible risk from taking loan or borrowing money without any throughout thought about what they intend to do with that amount. Crypto is a high-risk environment that not suitable for any simpleton.
If the newbie has dared to make loans for crypto, then he is a very smart person, because if he is stupid it is definitely not going to dare to borrow and take high risks in crypto, because to look for profits in crypto also requires time.