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unfortunately it happens, users with high-ranked accounts prefer to lose their trust and make their accounts worthless just to not repay $150 loans (based on my case it were non-collateral loans to legendary/hero members).

so, will say it once again, not repaying loans looks like easiest way to leave bitcointalk forum with profit and minimum efforts/risk (they even shouldnt sell account just drop it and go)

thats what I'm talking about, take a loan and default it looks like the easiest and quickest exit strategy right now. There is no headache about whom, how and where to sell etc etc.

as for accounts price estimation, i'm talking about my estimation based on my experience and cases I know. The main point is current negative trend we as lenders should take into account. 
 

It seems Bitcoin price drop caused lower personal valuation of bitcointalk accounts by some owners and looks like lenders realized this phenomenon a bit later.

Few recent lending examples to explain you what I mean:

grtthegreat :
- hero member preferred to lose his account for just 0.04BTC ($150): https://bitcointalk.org/index.php?topic=5102198.msg49422126#msg49422126
- legendary member dropped account just for 0.05BTC ($200): https://bitcointalk.org/index.php?topic=5087785.msg48904269#msg48904269

my case:
- legendary member who already repaid 2 loans before BTC price drop has defaulted 0.04BTC non-collateral loan and is not carrying about negative trust: https://bitcointalk.org/index.php?topic=5101704.0  

shasan:
- hero member defaulted 0.03BTC ($100) non-collateral loan and ruined his trust: https://bitcointalk.org/index.php?topic=5030169.msg48734465#msg48734465


At the same time let's see few accounts offers examples:

- Legendary account for 0.015 BTC
No negative feedback - Never requested loans - Never banned.
Position - Legendary
Posts - 1119
Activity - 1119
Merit - 1018
Trust - Green trust
https://bitcointalk.org/index.php?topic=5091528.0

- Legendary account for $150
https://bitcointalk.org/index.php?topic=5094226.0

- Hero account for 0.01BTC
https://bitcointalk.org/index.php?topic=5096756.0

- Full member accounts from $50 to $130
https://www.playerup.com/accounts/bitcointalkaccount/?order=price


So as a conclusion, I propose to consider current accounts valuation drop while accepting non-collateral or account pledged loans.
Therefore loanable amounts for such loans should be lower than acceptable "exit price" for hero/legendary members. My current estimate is: up to $50 for legendary and $30 for hero members. Another question are such loans make sense for both parties
 
P.S. Im not going to blame all legendary/ hero member because of few black sheeps and won't break existing trust based relationships on lending section

highly appreciate that 

thank you, hope it will help

with k0er and adiebitsler I had successful loan history before. Amount of repaid loans is still higher

edited: PS I don't think its about luck it's not a lottery. I think its a warning sign of trust system crisis - maybe Bitcoin price drop caused lower personal valuation of bitcointalk accounts by some owners and looks like lenders realized this phenomenon a bit later.

What happened:
I re-borrowed k0er 0.04 btc on 29.10.2018, he had to repay 0.04208 btc on 17.11.2018, but didn't do that.
I'd like to place on record that during the first month after the deadline k0er was available and asked via PM for loan's extension and informed me about repayment status, but then he was unavailable from 8th December 2018 till 9th January 2019. On 9th January he showed up, but unfortunately still didn't manage to repay money. For now he still owes me 0.05024 btc.

Scammers Profile Link:
https://bitcointalk.org/index.php?action=profile;u=422621

Reference Link:
https://bitcointalk.org/index.php?topic=4681254.msg49122213#msg49122213

Amount Scammed: 0.05024 btc / $324.85 (as on 29.10.2018)

Payment Method: Bitcoins

Proof of Payment:
https://www.blocktrail.com/BTC/tx/5259bfd0b5e251546935cb1b7b2c3e142032bc35eab76be75311e6cff04ddfb3

Additional Notes:
I advise you to not deal with this user until this dispute is resolved.
It's pity that I have to write this scam report, because k0er has repaid loans with me in full and with interests 2 times before. I supposed we had trustful business relationships

Denied. I'm not taking accounts as a collateral.

thank you! hope it helps

considering current btc price it looks even stranger...

What happened:
I re-borrowed adiebitsler 0.03 btc on 19.11.2018, he had to repay 0.0345 btc on 14.12.2018, but didn't do that. We agreed on 1 week extension, so he had to repay 0.0372 btc till 23.12.18. He didn't do that too. So on 24.12.18 I voluntirely proposed him 1 more week loan's extension till 30.12.18 with repayment of 0.0399 btc. He didn't show up with repayment till now and don't answer to my messages.

Scammers Profile Link:
https://bitcointalk.org/index.php?action=profile;u=876668

Reference Link:
https://bitcointalk.org/index.php?topic=4681254.msg49122213#msg49122213

Amount Scammed: 0.0399 btc / $223.44 (as on 19.11.18)

Payment Method: Bitcoins

Proof of Payment:
https://www.blocktrail.com/BTC/tx/bde6deb1d10351fddb6f1f8d5eb43a44b5fb5f806cd59e128853589088081b6e

Additional Notes:
I advise you to not deal with this user until this dispute is resolved.
It's pity that I have to write this scam report, because 1st loan with adiebitsler was successful and repaid in full with interests. I supposed we had trustful business relationships

Denied.

I place on record that adiebitsler delayed this loan repayment for 7 days after the latest deadline. I didn't receive neither interest for last extensions nor loanable amount.

Denied