Wouldn't a more efficient way of knowing that people have an active loan is by the lender tagging them, after they funded the loan?
I've been doing that with a few of my past loans.
So far, none of the borrowers was disturbed by those feedbacks, but I can totally see that happening.
Can't say which one is better, I've been doing both (maybe "both" is the best).
Seems most lenders stopped/aren't using this, including me because it is kinda of annoying to create the table thing, and if you have multiple loans going at once it could take up a lot of time.
We've been inactive for quite some time (I don't know much about whywefights current status, yet), and even before (at least at the time I've been part of the ledger), it was only a project of a few lenders.
I disagree with the "annoying" part (I don't think BBCode is that hard, been doing it with several threads), but as it's an optional thing, nobody forces you to participate (although it would be nice).
If people are tagged with a neutral, everyone will also know they have an active loan, not just the people who come and check here.
Some people don't check untrusted feedback, a single feedback could get lost in the amount of feedbacks some people collect on their account,...
I don't think there is a perfect way with this, just do the one you prefer.
Seems easier to do, splits up the workload and makes it more decentralized (still relies on the forum not to change stuff though).
More decentralized would also mean, there's no easy way to get a quick, full overview of all the current open loans in this forum,
initially, that was supposed to be the purpose of this thread (and yes, I know we're very far from that).