If a potential borrower is unable to give a reason why they need the loan (regardless of their reputation) that matches the situation when asked, then there is a decent chance the loan will not be repaid.
People LIE about their reason for getting a loan, esp if they are going to default. As a liar yourself you should understand this.
Asking for a reason is just increasing your chances of being scammed, as they will be able to tell you whatever they think you want to hear.
Bitcoin is all about numbers. Don't let emotion get involved.
Apologizes to the OP for cluttering up the thread.