there is a good chance that you are an honest person and you were actually going to repay the loan, but honestly using a shitcoin that is not even on CMC as a collateral is as bad as going to the pawn shop with your underwear as a collateral, while you may think it worth a lot, to most people it's useless and have 0 value. and given the amount of scammers around, the smallest thing you do puts you on the scammers side. so before you try to buy/sell/lend/load you need to think 10 times before you become a scam suspect.