you have to use your account as colateral
no colateral=no loan by rules
What rules? Lenders can lend to whoever they want.
There are some rules lenders are expected to follow and you can read more about it on this thread.
https://bitcointalk.org/index.php?topic=577765.0Lenders do not need to follow the rules. They are just guidelines and lenders need not follow them.
OP has a high posting density in Gambling and Games and Rounds which would lower the value of the account.