Yes,cause we will just give 100 MBTC to somebody we've never met and could easily scam us due to no collateral

I can prove identity

no collateral no loan (in most cases, anyway.). your ID is not a valid collateral. -> https://bitcointalk.org/index.php?topic=577765.msg6311902#msg6311902

I understand thank you for information, but do not know what i can give colleteral

you're welcome. and read the post I linked if you want to know what you can give as collateral.