All accounts/escrow should be held by a trust third party
Full Members and Up will be held by 3rd party escrow. Junior and Member Accounts will be held by escrow if the loanee wishes, but usually the escrow's fee is higher than the maximum loan. If they want to opt for this that's their option and will be honored.
You are a brand new member therefore it is advisable not to put any trust in you until you have proven yourself to be trustworthy as the lending section does have a number of collateral scammers.
If it would not be economical to put lower level accounts into escrow then maybe it will not be economical to accept them as collateral.