Well, none of this has anything to do with liberty until some force is used. What happens if you just fail to pay the money lender? If he can imprison or enslav

Well, none of this has anything to do with liberty until some force is used. What happens if you just fail to pay the money lender? If he can imprison or enslave you then you're absolutely right. If all he can do is spread the word that you're not likely to repay your loans then it's not a matter of liberty. Money is just cut paper, a convenient medium of exchange. If you have bad credit, your liberty is not in danger. The only thing in jeopardy is the willingness of others to cooperate/transact with you. Since they don't owe you anything to begin with, the point is moot.