Shouldn't be an escrow need to have enough money of his own before performing an escrow in a marketplace?
Yes but how can we check that? I mean if it is a bitcointalk loan and it is published then it would be a red flag, but we cannot know if the escrow has loans outside bitcointalk. And as of now, knowing this, do you think in the future people in the same situation as cabalism13 and bl4nkcode would publish the loan in bitcointalk?
And I would go further, should a person run a charity that receives significant donations if they are taking low amount loans ($200) as in the case of cabalism13?
It is not incompatible to have debts with being honest, running businesses forward or charities the problem is when the donations or what you get to the escrow is several times your annual salary and you are going into debt for pennies.