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
![Roll Eyes](https://bitcointalk.org/Smileys/default/rolleyes.gif)
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.