Not quite true,

IRL if you have difficulties you let the lender know, which he did. They usually help you, give you extra time to pay, set up a payment plan, give you time to speak to charities/citizens advice and usually put a settled statement on your credit file once settled (neutral statement)

On here, if that happens, you get no help, just negative trust and it doesn't ever go to neutral and you get abused by idiots.

Most people or lenders wouldn't even give a shit for such a small amount of money anyway and usually would just write it off. Maybe people on here should show some mercy/trust once in a while. not everyone is perfect and not everyone who has money problems is a scammer.

I am not saying in this case this guy isn't a scammer, looks probable. but in general not everyone.