@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.
You're making it sound like taking a BTT as collateral will cause you to instantly get red trusted. - Unless you have examples of this - i wouldn't say that this is the case.
Rather if you take an account as collateral, and the user does not pay back, and you
then proceed to sell it, that's kind of flawed upon.
I'd say that, especially with high tier accounts, offering account (rather the reputation behind the account) does not instantly =/= Selling the account
in the case of them not paying back their loan.