Not a good question. That thread was created with the simple goal of shitsmearing. It's obviously an alt of somebody who was tagged by Yoshie for what could be a legitimate reason.
Someone didn't repay loan for more than a year. How is that not a good question? Actually, I am pretty damn sure that most people would like to know that info before someone ask them money, just to know what they can expect.
Because, as I said, it doesn't concern you in the slightest. Yoshie has an ongoing negotiation with shasan. If shasan isn't bothered with it, neither should you be. It's a bit rude and low to poke around dredging up drama about people's outstanding loans if they are not actively seeking new loans. So what? He's not perfect. Neither is anybody.
But it has something to do with money, so it is reputation and trust issue. Anyway, I countered ratings. When users decide to place neutral feedbacks for so called "trolling purposes" I will gladly remove it.
You're also saying this person is trustworthy by leaving them a positive trust.