If not for a health issue or anything serious that will take someone off the internet, I see no reason why someone would default on such a small amount of money for a full member rank account where the money can be earned within a month, and based on the OP's explanation, it has given the loan defaulter close to a year now and no sign of a repayment plan has even been made.

I don't actually know what usually triggers people to take loans and refuse to pay them back, as loans are supposed to be taken when someone seriously needs them for something serious and has the means or plan of repayment.
Even if the money did not come as expected, within the long duration that was given to the loan defaulter, there is enough time to save up $100+.

I just hope the loan defaulter is in good health wherever he is, and if he doesn't have a plan of scamming, maybe he will come back one day and repay the loan, as both the ALTs identified here have been active since 2022.
@Op, just hope all this kind of loss won't make you change your good heart and give out your support to the needy in the form of your loan.