What happened here was that PatrickHarnett took some money from some people at fixed rates, looking to make a profit. He made some bets that, contrary to his expectation and contrary to his high regard of himself, turned sour. Instead of manning up to this failure of his, such as for instance by skipping a month's discretionary expenditure in his life, putting that money into BTC and paying out he went the classical Peter Lambert route: played double or nothing with his customer's money (in this case by buying discounted pirate debt with money he represented as not exposed to pirate - also a classic).
You need to take a step back and realize that the people who loaned Patrick money made precisely the same mistake Patrick did.
People like Patrick, Hashking, and Pirate will always come along. So long as there are idiots willing to lend money at criminally usurious interest rates on the most ridiculous and implausible business plans, and who then feel they can deny any responsibility when the shit hits the fan (as it *always* will, that's the one certainty) this will keep happening over and over and over.
But keep those insults coming. If you're good at something, don't waste it. (But stop the self-righteousness. You're not very good at that.)
And by the way, I basically agree with you. Patrick hasn't, and likely won't ever, make the lifestyle sacrifices he and his wife need to make in order to pay back their fair share of the losses. So he'll almost certainly deserve a scammer tag at some point, if he doesn't already. If he isn't even on track and committed to paying back 40% in 3 years, which is ridiculously little in a very long time, I'd say he clearly deserves to be branded a scammer.