I have a point about this.

Take accounts as collateral.

But the additional value added to that loan should be no more than 0 satoshi. The situation should be considered the same as if they were to ask for a no-collateral loan.

Accounts should not give a user any extra reputation for leverage. After all, what more do they have to lose if they're just going to default?

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Don't trade the accounts afterward, of course.