I guess these are the reasons why people stopped taking accounts as collateral, after all, an account is just an identity on the forum, and its "monetary" value exists only as long as there are the sig campaigns and bounties... It's useless else (for the account buyer). It's like giving bank my passport as security for loan

collaterals should be those whose value exist for as long as human beings live! A better move for you would have been, had you made the account seller sign a message with the same btc address which you told to remove and make him sign that "this account is being given as collateral and is *insert your name's*" then they couldn't even recover it with the staked address had they defaulted the loan.
Regardless of could have, should have, we have proof. The fact we have proof the account is mine negates that he signed the message.