Interesting. I always thought csgo skins could be "chargeback" or socially engineered to have it reversed. The more you know I guess lol, however I do not see it being worth much, especially for amount OP is asking for.
Steam trades are final, so if you get scammed on a steam trade or someone hacks your account and sends them to other account you cannot get them back at all. So if you are granting loans, feel free take steam items as a collateral. However i heavily suggest not accepting steam game gifts, since those can be easily be reverted from your account if the card it was bought with was stolen.