This isn't as easy as you say it and it takes a very long time to earn the status of an "established" user on bitcointalk or to achieve some of the things you mentioned. I get it that we have seen a lot of loan defaulters in the forum, but lenders have also learnt from it; never succeed.
A user that wants to play his games would do it no matter how much time it takes.. all they gotta do is follow due process. I've never felt weird as compared to when I read about users that ruined their reputations for being selfish - the likes of yogg and that was tagged for defaulting a loan. Do you really think they weren't aware of the consequences? As already trusted forum users, why weren't they able to atleast have a dialogue with the lender as to what may have happened ?
If you think they can't stay up for like 2 years just to get away with 1 grand, then you should also have a rethink about account farmers.