Which is the problem with asking on the internet. People judge, criticize, and categorize someone for something they haven't even done just because they can.
It is not. waterpile has borrowed money frequently and increased small amount each time. This is why Somekindabitcoin(& others) suspecting him.
Could you imagine if you saw someone with a sweatshirt walking into the gas station, are your first thoughts is he is concealing his identity to commit a crime or he is covering his body because he is cold?
It will depend on the situation, how he act etc...
Bank loans are easier to get than BTC lol.
It is harder but they will provide less interest loans.
I even asked for $20 earlier from some hindi guy who does nothing but petty loans and he denied me, not even hours went by my room mate gave me double for free.
Your roommate knows you but we don't. You could have guesses the reason easily.
Leave the guy alone, the person giving him the money is the one who should worry.
Persons posting here are either interested in lending him but are afraid or they are warning others.