In an ideal case, there would be no problem what so ever with newbies and no collateral loans, but it's the fact that many newbie members come
and ask for a loan on some sob story, and then scam the lender by defaulting on it.
Noone can say that you would do the same, but there are many people that would, so it's sort of an accepted action to flag account like those.
cheers
Most of the time the "new" users that come to the forum trying to
tradescam, are not at all new, but are just using a new/throwaway account in order to not waste their reputation on a small scam, and will start the process over again once they either are able to pull off a scam or are called out as being a scammer.
I really don't think there are all that many scammers on here, it is just that most scammers tend to create a lot of accounts so they can attempt to scam multiple times.