As mentioned, the criteria for leaving a negative rating has been changed to "You think that trading with this person is high-risk." If LFC_Bitcoin believes that asking for a no collateral loan makes someone high risk, then he is justified to leave a negative rating. Less senior accounts are tagged left, right, and center for the exact same behavior every day.
Is it too harsh? Maybe. But is it an inappropriate tag? No.
As an aside, the sticky at the top of lending states:
If you completely ignore this sticky and make a loan request with no collateral, without having massive trust on the forum, the chances of you getting negative trusted feedback and therefore having a Trade with Extreme Caution tag is almost 100%.
Edit: oh shut up bones with your 1 minute 25 seconds faster post.
You're too busy baking cookies.