I don't want to be 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?
That will be up to the lender. At least he'll see a warning telling him to be extra careful.
I've left 2 neutral "no loan" tags so far. If someone ever asks me to remove them, I'll require a signed message from an old staked address, and I'll probably wait for 30 days (a cooldown period).