Sorry to ask though,
But the account is ranked as a member, so why doesn't it worth anything. Can you please explain
Because it is so easy to make one and it is not worth $100 to make one, not to mention you also need to give 120% collateral for the loan. Accounts are not that valuable especially if they are low level like member accounts.
Also, most lenders usually don't accept bitcointalk accounts anymore since, most of the time, when a borrower defaults they can't really get back their money.