if my tokens were unlocked and available to me today I would not need this loan.
If you really need the fund then you would still take a loan instead of selling your token. Because you would be able to earn from the rest of your fund also more important thing is that you may think the value of the collateral may increase. Why do people give collateral to their land/building and take a loan instead of selling it? It is because they do not want to lose the property.