Reputable members sometimes scam as well. Both of them have no scam record. They were either newbie or member rank at maximum and now they are Full Member and SR Member respectively. A people who are newbie here don't know whom to trust and they can ask other to go first. I would also do the same. This has nothing to tag someone as scammer. You could simply ask them to use escrow or go away.
On the other hand, loan is something different. You can't compare both.
1) Escrow is useless with PayPal, since that doesn't prevent chargebacks--the main way people get scammed with PayPal. In these cases, nobody asked for escrow anyway.
2) Neither of these members was or currently is trusted. The only feedback on either of their profiles is negative. I don't think you can make an argument that these were rookie mistakes, since neither member seems to have gotten the message and learned from this. Being new is no excuse.
3) These two completely ignored what I wrote in the threads about sending first and not wanting to do business with lower-ranked members, and they both demonstrated exactly why I made those rules. I did not do it on a whim, but from past experience in selling bitcoin for PayPal. Having said that, the negs I left weren't for breaking my local rules necessarily, though that played a part in my decision to neg them. It was mainly for asking me to send bitcoin to them first. That is a huge red flag. And again, being new to the forum or to bitcoin is no excuse for not reading someone's selling thread.
I don't think I'm being too harsh in this case, like TheButterZone was when he negged someone for not completely reading his auction rules, for example. I think these two members were just trying to see if they could get someone to send them bitcoin first and weren't making genuine offers in the first place. I don't remember getting contacted by either one of them about my feedback, either. Scammers don't care about that. They just keep trying and trying until they find a sucker.