Both sides deserve equal blame for this outcome, and I see no logic to applying a scammer tag to a transaction where both sides are at equally at fault.
I'd be open to an argument that Patrick is imposing an unfair portion of the default costs on his lenders. They should be shared.
Borrower in default gets scammer tag -> signal "this person is in default don't lend to this person"
Creditor gets scammer tag -> signal "meaning
"Obviously the latter signal is useless. Therefore, scammer tags are only assigned to borrowers in default.
Regardless of whether Patrick is a good guy or whatever, there may still be idiots who would agree to lend him more funds.
The scammer tag is intended to protect these idiots from their own stupidity.