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.
Correct me with a recent example of BTT account used as a collateral and it wasn't red tagged. I believe just accepting or giving a BTT account as a collateral can be consider as account farming as the main intention of a collateral is base on the fact of loaner default so you have something to turn to.
Let me explain myself, if a user accepts or give a BTT account as collateral what he's saying is that I'm adding price value to that account and you should sell it if I can't pay back the loan to cover up. Correct me if I'm wrong.
DT members frown at any issues relating to account farming. Although this issues are still been discussed and if adjustment are made I'll update this infograhic. This is just a temporary guide based on current reasons users are leaving trust feedbacks