Although I have not been here that long, you would have major problems enforcing this and proving the loans. This would just lead to the mass sale of accounts which I don't not think is allowed here. Wrong. Sales of accounts are allowed in all capacities. You would also have everyone trying to say a high valued member scammed them. Non-issue. People do that nowadays too, but unless they have proof or extremely substantial evidence, nobody cares. Heck, even if you do have evidence, you're still unlikely to get something from a trustworthy member. For example, Stunna still owes me about $30 in BTC from their sig campaign in August, but other than sending him a couple PMs (which haven't been responded to, of course), I'm not going to do anything about it. It's not worth the time spent and bridges I'll burn trying to go after him for a few bucks, especially when some members here may think he has a counter-argument.

Regardless, it's not up to staff anymore to decide whether or not someone someone has/is scamming. That's why this particular idea of moderators forfeiting the accounts of scammers to the lender is not going to happen. If you want a scammer's account, offer a nominal sum of money for it - as long as that amount is more than $0, you're paying above market value for an account with red trust. Then, clear the issues with the account, get it back to neutral or positive trust, and flip it to make back the money you lost on the defaulted loan.