I think you understood wrongly this loan request is more than the value of your account so it is not related to reputation but every one suspecting you will not pay back this loan. Your account trust and your asking higher amount than your collateral.
Since this morning after seeing so many suggestions you never even think of reducing your request loan amount but still pressing to get same amount. Now ever one suspecting you may not return loan.
In the op I said I could really use .05 but Need .,04 so yea a. Anyway I dint have time to argue here anymore. If someone is interested in the loan, please me md