Things you feel is easy to conquer is not that easy in terms of taking loan, ranks can't give you that assurance that a member would pay you back the loan collected from you.
Yes, it can. Depending on the amount. It is very unlikely that someone will risk the reputation of a high-ranking account for a few hundred dollars, for example. Check the lending board, there are lenders who will easily give loans to high-ranked accounts without any collateral. How do you explain that?
I'm not sure we're on the same line with what I said, collateral or not, a member can choose not to pay back if he doesn't have the intention to do so before collecting the loan. What I said is, rank doesn't make someone to pay back a loan.
How do you figure that? It is possible that there are some isolated cases, but in general, a newbie cannot get a loan easily. Not without some sort of collateral.
I don't really get you and your question, are you trying to tell me that there are newbies that doesn't have any idea of Bitcoin before joining the Forum? We have many who have good knowledge of Bitcoin, trading and investing, the rank doesn't matter. That's the same thing with this loan of a thing, some newbies are willing to pay back loan and some are not ready to pay back. To me rank doesn't matter at all.