http://forums.d2jsp.org/index.php?showtopic=19738153&f=250 
That's an example of someone scamming FG that was a loan for him and he gets let off with a clean slate.
Suggestion:
I think the mod team should have the right to lock people that scam loans especially if it's not their first offense. That guy owes 2 other people FG from 2 years ago.. (I ofc. didn't know that until after I sent it) With that much proof that the loan took place and he didn't pay it, I think he should be requested for a scammer tag or even group: lose tbh would be fair enough..
Maybe if they had no proof or something about the loan I can understand nothing happening to them.. but come on now.
If rules don't get changed in a positive way, at least make them 100% ILLEGAL so scams like this don't happen ever again.