whatever. I'll keep doing what I think is right.
if anyone thinks that I'm hurting anyone other than myself by giving out loans, feel free to open a thread somewhere telling me to stop. maybe in scam accusation.
By giving out the risky loans to low activity accounts, you will increase the chances of a loan then a default. Basically selling you the account via a loan. Why not buy the account instead of "lend" only to foreclose on the collateral later, add some useless posts and resell later?
The Lending section will slowly fill with these types of "loans". Also, this could lead to more Trust padding.
Marking these defaults helps keep track of who sold what to whom. We already have enough confusion on TX ID's from often sold accounts.
While you make some dust from these accounts, in general, it actually hurts the community in the long run.
But this is just my opinion.