Hi,
I just read the messages one by one. I am not necessarily new here but I never participated in the forum. I totally understand what you're saying. I might look like a jerk, but I don't understand this collateral system.
People are going to leave a collateral value....to borrow it on the other side !!! why do they bother to borrow when they already have that money? there it is necessary to explain to me I do not understand everything, yet I work in trade, but there it exceeds me