Clearly this is someone's alt account, so he does not care about the negative rating he will get. It surprises me that he has not been kicked out yet. Moderators should be notified of all unsolicited messages of this type, and let them deal with him.
Looking at his post history
https://bitcointalk.org/index.php?action=profile;u=730952;sa=showPosts, I have my doubts. I don't think it's an alt account, he's clearly on a mission to swindle folks, that's what he was doing before he left the forum in 2020, and he's back with another scheme, I'm not sure he'll get banned anytime soon, the mods have been lax on banning accounts recently.
Too bad the guy is so stupid that he does not understand he could have monetized this account in a more effective way, such as a bounty programs or signature campaigns. Huge mistake right here.
Not everyone is aware of or cares about signature or bounty campaigns, but in this case, this person is plainly a lazy and shitposter searching for a cheap loan and some amusing ways to scam. He had his 250 merits airdropped, and he hasn't earned a single merit since 2018.
He does not have worries if anything will happen to the account that is why he has the boldness to send unsolicited messages.
I'm certain he has no ideal how the DT system works.