I know im a newbie but....
Anyone with sense would stop right there and realise the futility of their actions. And yet several times a day we read this line followed by what the poster thinks is a reasonable exception. I really don't know why they bother; are they all trolls?
Why would anyone think they could make a new account and get a loan on their first post? The OP is well named at least
not to be stereotypical most of these posters must be from countries that 0.02 is good money, 12 bucks can do a scammer well depending where they are from, I think these are groups of them thinking they can target the community.