Thanks also that $50 is if you catch it in the first 2 days. The website you just posted says that after 2 days you are liable for up to $600.
All discussion of id theft liability aside would a trusted member be able if they so desired to take my btcjam account as collateral?
A brand new BTCJam account has next to no value, and certainly nowhere near 4 BTC.
Please take a look at the my account history. It shows that I have invested 9.9 BTC in a loan to BTCquick. That loan has yet to be paid back to me. I will be getting 5.3 BTC (hopefully) in 5 days. I have been trying to burrow against that; but as it gets nearer to the payment date I have less incentive to actually burrow the 4 BTC. At this point about 50% of why I want to get the loan is just for a credit history. If you think that BTCquick will pay back the loan then the account is worth 10.6 BTC.
https://btcjam.com/listings/1173 this is the link to the btcquick loan I invested in.