@OP,
I've read the whole infographic, but what I didn't get here is: why should someone get a negative feedback if they take an account as a collateral? It's their choice to lend someone after taking one's account as a collateral (I'm talking about bitcointalk forum account as it does have a value which lender decides at the time of lending) so how can it be considered a practice of account-farming?

Sorry if there's something already decided in Meta and I'm unaware, please draw me towards the fact based on which you've added the said thing in your infographic. I know it's not official, but still I'm curious.