Please note that when you're lending money, it's never really about how long a person has been here for or how many posts that person has made.
It's about having that person's real name, at least two pieces of government issued photo ID, address, telephone number, bank information, credit rating, a promisory note, a legally binding contract, a co-signer or some collateral.
Maybe I can try to help you make some sense of this:
1) I lend based on only one criteria really, whether I think the person will pay me back. Now I have a lot of things that go into that decision for example post count, quality of posts, etc.
2) Having a person's info means next to nothing if they do not pay you back. I live in Colorado. I lent 15 BTC to some asshole named bcjunkie. Here is his profile:
https://bitcointalksearch.org/user/bcjunkie-54204I have his address (Kentucky), a copy of his drivers license, etc. I even have his picture. I will give it to you and you can have whatever you collect. Deal?
You will find that is is almost impossible to collect a debt in another state and not worth doing if it is a small amount like 15 BTC.
Likewise credit ratings, telephone #, and other banking info is useless when attempting to enforce an illegal contract. Collateral is only collateral if you have legal right to collect it in a default which you won't if the contract is deemed illegal to begin with. 
