I'm still going around sharing your other article with newer steemians as they keep doing this, perhaps because Puss 'n Boots is just so compelling I hope he helps better get the message across! lol

Link: Steemit Tips: How NOT To Behave On Steemit -- Follow-Begging

As for thoughts on the "loan" thing, it may be easier to refer you to @timcliff's post, and our comment thread therein on the subject that starts with this:

I think there's such a huge influx of new users that they're trying to cut down where they can. for example, I recently got my mom to sign up and she was delegated around 150SP.

However, yesterday it was reduced down to like 4SP which quickly hit the bandwidth limits. @timcliff got them to set it back to 9, so I guess we'll see if that's enough to solve it (well, for now at least).

Link: New Accounts Don't Have Enough SP to Fully Interact with the Blockchain. Should witnesses update the Max Block Size? (Discussion)