Isn't it a loss either way?! All lending services in the world have an interest component, and the only purpose is to make a small profit out of the loaned amount. If profit never was a motive, why aren't the loans interest free? Similarly, if a loan defaults, its collateral is sold, which in this case was the account, so I put it on sale to stop my loss.
You can cover losses through interest payments from other borrowers. That is why interest exists; if lending was risk free, then people would be able to offer zero interest/extremely low interest.
Obviously you are free to do whatever, but other lenders in the past were left negative trust for selling accounts. See
iluvbitcoins