In this forum we have seen Legendary rank users also defaulted with little funds which was very unexpected. Because if those users were active in the forum, they could have paid those loans by participating in the signature campaign. So think about how many things lenders have to think about, even if they consider lending to a user, there is no guarantee that he will not default. So lenders should always be aware of this risk, lenders have experience after seeing the activities of many users in the past.
You are right and I agree with you that legendary members also have default loans and which can be earned within 2 weeks. I have earned 0.01
BTC+ within 2 weeks but a legendary member
(SiNeReiNZzz) defaulted such a loan. Which was too easy to recover for him. And I know a few people who have lost their funds at the time of taking a loan or after the loan and didn't use the fund but repaid/repaying. Also, the repayment wasn't too low and few people took more than 2 years but recover and they are too cooperative.
Basically, those who have the mentality of repaying the loan, even if they lose the fund after taking the loan from you, they will still make the repayment, or they will keep in touch with you until the loan is repaid. So it becomes difficult at times to understand people's thinking, because for low money they destroy the reputation of their high rank account.
@SiNeReiNZzz may have decided his next step after taking a loan from you, because I took a loan from you and realized how friendly you are. If users like SiNeReiNZzz kept in touch with you, their account reputation wouldn't be ruined like this.