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Can I Borrow Your Porsche?
You have the right idea, but you're almost as big of a douche as these people that keep calling. You obviously must be a lender or some kind of person in a 'the one making the other bend over' position, as you think it's 'sooooo big' of someone to lend another money. Guess what, if you don't have the qualifications to be lent money they're not going to lend it to you anyway, so if you do meet those, it is by your own self that you are considered an asset to a lender. So i've got news for you buddy you're either going to get a loan or you're not, no one is out there taking chances on people as proven by the way people act like such assholes when they take a look at your less than perfect credit score.
Bad shit happens to good people. Good people don't have health insurance that fall upon illnesses. Good people get their car smashed in the street and no one ever owns up to paying for it setting them into less than ideal money situations, etc. Please do us all a favor and get off your high horse and get to know some real people, because it seems the only one you know are happy-go-lucky douchebags like yourself.