Can be added but that's not what I was trying to focus in this topic. Collateral is somewhat for the lenders. Newbie lending service will not be accepted because they may scam the collateral as well since collateral amount is more than what someone lend.
Anyway, I think that's something else. Thanks for the kind words and suggestion.

---

Thanks to both- Jet Cash and Royse for gifting me the rank earlier.