Ok fuck you all fucking scammers, everyone here gives his account for collateral and then never repay the loan, they disguise the account sell into a loan.
Ok i dont accept anymore forum account as collateral, since everyone who gives account in collateral is a fucking dirty scammer.
Altcoin collateral or get the fuck out of here!
Ideally you should be able to sell any collateral you receive for a loan for an amount greater then the value of the loan. This will give you protection against people defaulting on their loans, and will give borrowers incentives to repay their loans.