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.
That is true, but I am offering them the opportunity for a short term loan which most on here I see don't. As for my trust, I do understand that, which is why I have no issues with accounts being escrowed. As long as the loanee finds a escrow that agree's to escrow for free and is trustworthy I don't care at all. I posted this thread to make money, not steal peoples BitcoinTalk account. As I stated before Full Member and above can be escrowed if they opt for it. Junior and Member accounts can be escrowed if they chose, but like I said the escrow amount usually superceeds the loan amount. If they want to pay for that to, then that's up to them.