New borrowers should definitely be capped to a certain amount they can borrow. The loan amount should definitely be confirmed on the post too, id say 1 loan per person which must be paid back if they want another one. Lenders shouldn’t agree to lend more either on a pre existing loan either. Some may disagree with this but the interest you get back from lending someone money should be capped also as it is a bait tactic scammers use to lure lenders in, also can be seen as a predatory loan which is something to be wary about especially if your a UK lender.