No one is forcing anyone to get a loan here. There are many other places from people more trustworthy (zarzab and whywefight) or even my lending service and if someone really wanted a loan here, they could request to use an escrow for collateral. Obviously manyproofs will decline it, but there is no risk if you are smart.
This guy is acting really dumb and I wonder why someone offered to go with no escrow with the collateral.