But I had a collateral, just not worth the whole amount(edit: maybe, value is in part subjective)
Value
is subjective. But objectively, those collateral items are equivalent to a value of zero. Here's why:
Firstly, Steam accounts can be retrieved easily in a variety of ways after the transfer. Not only that, but I believe it is actually against the rules to sell your Steam account. So, the parties involved would be breaching Steam T&C.
Secondly, BCT accounts can also be retrieved because any password/email changes can be reversed (or the account can be locked) within 14 days. This means that you would have to escrow the account for a full fortnight to get the loan, which would probably be pointless for most people; you would ask for loans when you need them, not 2 weeks in advance.
That means... neither of the collateral items are worth anything.
Why he didn't say the same thing in the thread instead of going directly to my reputation? Since I did not know those two things were "worthless" according to you
For facts sake: PlayerAuctions.com sells steam accounts without problems by years