And he had to shitpost my reputation to tell me this account can't be used as collateral?
I don't know the original post because you edited it so I'm assuming that Vod's feedback is correct.
In lieu of that, I would present you with this thread:
https://bitcointalk.org/index.php?topic=577765.0It is also stickied in the Lending section so you should not feign ignorance.
If you completely ignore this sticky and make a loan request with no collateral, without having massive trust on the forum, the chances of you getting negative trusted feedback and therefore having a Trade with Extreme Caution tag is almost 100%.
You should also stop with the consecutive posts. There is an edit button, you know.