I agree with you but if you check their posts they don't have anything as a collateral at least this thing is what i find out in posts that i checked
The members who are in lending business they will make sure to secure their investment so in my opinion there are no need for disabling the board for newbie or low rank users. A low rank use who have collateral, he or she may miss his chance when the board is restricted.
All campaign managers already ignore the board though, although we are discussing about newbies here :-D