Most people understand that their account is worth more than the amount I'll give them as collateral, this should be a deterrent to defaulting, but sometimes it's not.
This guy spent months, posting nearly every day, lurking the forum, to scam for about $30 total, he must be in a very poor situation in life if that's his only way of making money.
If any account has an ongoing loan and they take another, then its a major red flag. They shouldn't be taking out loans if they can't repay current ones. No matter what rank, how old it is, if you take their account as collateral with an ongoing loan, you aren't only hurting yourself but also the other lender. His account is not worth $30, by any standards at this point. Even without the loans, it is very easy for someone to spam bumps everyday.
Accounts may make sense if it is especially valuable but definitely not in this case.
I wasn't aware he had another loan out, it was my own ignorance.
Either way $10 is negligible.