To start, I am not a fan of fg loans (never made one, never taken one), but browsing the scammer accusation section it's overflowing with unpaid loans made over discord , and seems moderators spend a lot of time sorting through these issues. They should add an FG loan option like sending fg, where a user can request a loan with a specific repay date & amount. And user can allow lender to see their full loan amounts (so you can tell of this person already borrowed like 100k fg from others). Then if it's unpaid just autolock after a time . Probably a good reason why this doesn't exist, but not having a feature , but still willing to be manually enforcing loan repayments seems odd.
End legitimizing loans by enforcing repayment on discord terms or standardize to make it simple and transparent..