Since you newbie collateral should be held by a third party escrow.
I can understand for this purpose by reason of "newbie" account. Actually no my gap, to take / steal account.
Everyone who submits a form, makes sure to provide "sign message". So if I think I will steal it is a meaningless action.
*Users can retrieve the hear account how to send "sign Message" to admin, As we know.
*Moreover the account will be marked "red trust".
Thank in advice,
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No, I'm talking about collateral scam possibility, Why can you trust? Since usual borrower sending collateral first, you can just take collateral and gone.