You had already responded to that message so I don't know why you would quote the message after that and respond to a prior message.

If you were taking out a fiat based loan then yes the borrower would need to provide more bitcoin then the value of the loan you are taking out. If the price of bitcoin were to fall then to repay the same amount of dollars then he would need to give the lender more bitcoin then he received.

That is not however what is being discussed here. We are discussing you taking out a bitcoin based loan and the need to provide something greater then the value of the amount of your loan in order to protect the lender. Any lender that accepts otherwise would be stupid