Someone not paying back a loan isn't a scam, its just a default on a loan.
Defaulting on a loan is in fact a scam. People go to jail for that. They lose their homes for that. They suffer years of shitty credit score for that. Know why? Because it's an attempt to defraud others. In other words, A SCAM.
Imagine if all the people in the world with debt were considered scammers, just lol.
You're the only moron here suggesting debt=scam. Just lol.
People are really just jumping to assumptions, you have no idea if this person had a serious medical issue.
Do you?