even though I have a collateral to offer, here is my localmonero and agoradesk profile which hopefully can put you at ease a little bit, as one negative review would ruin my entire account
https://localmonero.co/user/VirginiaoutlawIf I understand, are you offering localmonero (or agoradesk) account as collateral, which will be ruined with one negative feedback?
how do you think that is good enough collateral if with one negative comment it will become worthless or less valuable? in that case you will have no interest in repaying the loan.
in case you happen to disappear for any reason, how much time it takes the lender to turn your localmonero (or agoradesk) account into money and thus cover their investment in you?
Any account it’s not an appropriate collateral, so don’t expect too much from it.