I agree with you that no one is naive enough to fall into such useless traps, and I think especially no one on this forum will fall for such traps because on this forum most members are quite smart and they can easily smell such scams. The thread of @OP is nothing but a trap and I think no will care to provide even a pic of their knee to such scammers.
He's been doing this since 2020 had an offer like this back in 2021 where he first got tagged and now he posted again this year, he is not serious about giving a loan he just wants your information, so far there's no complaint against him but that does not mean that people should not be careful on his offer, it's a trap when he asks for confidential details, your sensitive information is not worth hundreds of dollars not even a thousand dollars, especially to an anonymous person.