First red flag for me would be NFT in his username, but to scam someone for $180 and leave the forum is stupid.
I noticed rising number of loan default scams, this has become a very risky thing to do in bitcointalk forum.
If you ask me, and I may sound like a broken record here, but collateral should be forced to be collected prior to receiving the loan. I know that people used to take accounts as collateral, but these have nowadays started to become worthless.
I would be inclined to think that there would be some central entity to match a loanee with loaner, but I really can't figure out how it would ensure the lender's funds aren't lost.