It's possible that this is an exit scam, but somehow it doesn't seem like it (although I could be wrong) considering that the amounts involved are $5 or $10 - and it should be kept in mind that perhaps not even 10% of members would decide to send even such a small amount to someone they don't know.
Considering that the user we are talking about already has a history marked with loans, it somehow doesn't seem to me that the account changed hands, but that he was just in a panic to get the desired amount as soon as possible. However, if someone does some research, it might turn out that you were right.
You are right that it can't be an exit scam because even if the 8/10 people would accept the loan request then the amount would be 100$ if the amount is on average 10$. The amount could be earned in only 2 weeks. In this case, I do not think there is anyone who is in a signature campaign and the earnings are good based on the loan amount and would not default that.