@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?
Before I go on to answer your question, first let me make you understand what the forum consider aa a collateral
What is considered collateral?
Collateral is something that can easily be resold to cover the loan value plus interest should the loaner default on the loan.
Therefore if you accept accounts as collateral you're encouraging account farming which the DT members frown at. Accepting an account as collateral means you're attaching a price to that account which can be sold to cover up your loan value which is considered as account farming and all accounts involved will be red tag.