I think that is easy to understand that the user has tried to build a trust by take and pay little loan, with the hope to gain trust : now he is arrived at the end of the scheme, and he asked bigger amount for scam.
You have mentioned a valid point. I just noticed that bill gator revised his positive trust to neutral. And base on the rank which has made by default (only 4 earned merits), don't deserve such a loan also has two negative trusts by reputed members.