I don't find it reasonable to disable it completely because of several newbies who don't offer collateral. There are still newbies who are able to offer stable collateral for lending. Some newbies offer loans too with escrow.
Yes, some do but most do not. It is better to not disable ot for newbies, but then there should be some time limit so brand new account can not request any loan before being 24 hours online on bitcointalk.
Any moderator who can give me a reply and their opinion?