I expect normally nobody pays that up. I expect normally nobody knows about such loans.
What can happen? The account will get negative trust rating and gets ruined? Since nobody else will use it (nor know) it doesn't matter much.

So imho for the lender there's not much of a difference whether the "customer" runs with the money or dies.
The amounts of money are usually small and the expense of getting after his family would be greater.

However, this kind of stuff doesn't happen much, so imho you're worrying for no use.