i can take a screenshot of my coinbase acount with all the other adress, they are bound to my acount i can use another older adress and still recive the money.
That's not a proof that you are the owner of the account here... It seems that you most likely bought it.
if the amount is to high i can go lower, seen other senior asking for the same amount.
What others ask that's not a point, the point is what you need.
The second thing is assurance. A lender needs it to convince themselves that you will repay.
If he has insurance/ collateral, he will offer it from the start, instead of lowering his loan demands.