I wasn't actually planning on scamming at all, I am 100% against it because it has happened to me before, it just annoys me that when I forgot to list a collateral he called me out and just gave a negative review straight away.
I suspect that few people actually
plan on scamming, but when faced with a choice of having to repay a debt, or simply abandoning their forum account, most people would do the logical thing and choose the latter.