Don't loan what you're not willing to lose, simple as that.
I've made mistakes myself for loaning, but luckily it's never been very large amounts.

Of course people should get more for scamming a loan than just a BM tag, but since jsp doesn't support loans, there's really no way to do anything about it.

Not supporting loans means you warn or verbal vs loan beggars in my opinion

Loan begging = spamming

People get verbals and warn for spamming all the time.

Scamming that happens every day is much more than spamming

It's only happening every day because:
1) People don't learn their lessons the first time
2) People see a good return rate and think "Oh this guy's different", so they loan again
3) And again
4) And again

This thread is to prevent people even thinking about asking for loans

Which 81% of the jsp community so far agrees with

Theres nothing unecessary about this thread

People are always going to ask for loans. And 96 votes is not the d2jsp community last time I checked.

If you're going to fight the thread, know the current numbers.

You speak for people who haven't even voted, when I have.

That argument is ridiclous

That argument is ridiculous.

How can you assume to know what the majority of people on this site believe, when you don't even know who they are?

I think it already is warnable, paparick use to have a stick up in b&p saying that people were not allowed to post for loans. Loan threads get closed alot and I've seen people who beg for loans all the time get warned though its really rare. Its similar to if you were to make multiple spam threads in trade forums, voted yes anyways to make it more strict, at least so people who arnt willing to earn their own fg and make loan threads all the time wont do it as much. Sadly, I've seen alot of people get scammed from loans so anything that will lessen this will help.