For now I don't see a Bitcoin Credit Union as a possible thing even if it's totally non-anonymous.

If you lend me say 1k BTC and you live in US while I live in Romania...You can have my e-mail, my skype, my real address, my cc number but nothing would make me pay if I don't want to.

I've seen "reputable" people doing all sort of things to skip a simple restaurant bill, imagine what would be the choice of one of these guys if he had to choose between buying something real for his familly or paying a guy 2 continents alway who can be totally ignored with a few clicks of a mouse.