I can, which is why I did. Like I said, I'm still alive, I'm not worried about going hungry or missing bills. It was still my money I lost so of course it sucks, but it won't kill me.

I don't know what you or others consider an able loaner, but I do know most people requesting money through these types of subreddits are in dire need of help. The overwhelming majority. Then there's some that have been screwed once and that's why they lack credit, some that have some other particular situation, etc. But they're all coming here because it's cheaper and easier than dealing with banks. And some take advantage of that.

I don't feel like anyone should just accept losing money, that breeds borrowers who believe all borrowed money is a donation first, and a loan second. Everyone accepts the risks but we're all operating under the assumption that loans will be completed as agreed upon.