I ment collateral haha, I was planning in using an Escrow anyway, thanks for the input. I was planning on asking alt coins as collateral which may mean slow business, but a not so devastating outcome when I get scammed :/
Once you build up enough rep/trades you'll be able to take collateral without escrow, though using as escrow will be time consuming just for loans. I'd take forum accounts as collateral as most people wont even need to loan money if they've already got the sufficient amount in alts though there are lots of people doing this already so people would likely choose another user over you.
Plenty of people buy/trade/sell accounts. Just look at the digital goods section. In fact I think forum accounts are the most popular form of collateral these days. To secure an account you just change all the details including the email address and there's not really any way they can get it back. They could go to the admins and try convince them it was hacked but with a little investigation they would see it wasn't. You can always change the signature/personal text to 'account currently held as collateral by Fishbones78 etc as well.
