Mind that that loan defaulters could actually care less about any negative rating left on their accounts trust page, I mean, they have already made up their mind to leave the forum with the money they swindled, or have decided to carry on posting here with a ruined reputation (and also not join any signature campaign), it is the lender that is usually left to bear the brunt of losing their money to such people, and that's why they have to be very careful how the lend money out, and the amount they can give to a particular user, based on reputation, past deals, history of loans paid back, amount of years spent on the forum, etc.