This is your criteria ! If you will lend or not.
You can not punish the right by the attitudes of others who are wrong
no, the fact is, if moderator got ability to ban 'scammers', then the moderator would ban anyone if they don't like it as 'scamming', everyone here would be in risk, and even the theymos would be publicly humiliated if someone kicks him out for.
even though i don't like scam, i don't wanna see anyone got unreasonably humiliated.