Looks like The Pharmacist thinks that you're
Atari---. If that's true then you should know by now that people won't give any loan to a newbie without a
collateral.
I have collateral, my account and Paxful account
And I don't know who either one of those people are
1 - your account is worth nothing.
2 - your paxful is not a valid collateral.
3 - you can say you don't know them but as a newbie you without a valid collateral like what atari has been doing, be prepared to get a negative feedback.