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; and someone who comes into the forum with the intention of doing something like this would prolly never succeed.
I don't know how long you are in this forum but I can give you several specific names which defaulted loan and it was not a myth that their only intention was to build the account to default loan.
theyoungmillionaire is one of many examples.