Someone not paying back a loan isn't a scam, its just a default on a loan. Imagine if all the people in the world with debt were considered scammers, just lol.
Although disappearing without paying back is considered a scam on Bitcointalk, you make a good point if someone is considering to pursue this IRL.
you have no idea if this person had a serious medical issue.
That's unlikely considering this timeline:
In early January theyoungmillionaire contacted me via PM
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theyoungmillionaire has not logged into the forum since January 6
From what I've seen in my years in crypto, disappearing with funds is much more likely than serious medical issues.