I can only hope nobody would fall for this if someone ever manages to compromise my account. I've never taken a loan, and if I do, that should raise a big red flag (and there's only one exception).
It seems a good idea and increase the real usage of neutral feedback rather than for criticism or conflict 
I don't want to mean, but you, me, or anyone could disappear in the future and the tag always remain in their accounts. I'm just thinking if someone decided to ask a loan when there's a neutral tag where the account will not ever ask any loan in this forum. Do you think if he can sign a message on his old address, the account is still controlled by the real owner?
LoyceV recently give the IP addresses as I suspected the unknown user makes a move since he make a loan Date of 7-06-23.
It's your real IP addresses in this forum? I think it's better for you to remove the images if you're consider about your privacy. But if you not care about your privacy, then you can refuse my suggestion.