Is the lender asking for collateral? If not, then what is the scam?
Probably you have neither seen the thread of the lender nor you have seen my post which is stated above
your post. The user asked for the collateral and also at the same time asked for a donation. So the user can scam by taking donation by the name of fake lending as well as by taking collateral.
It's just another beggar:
It is a good thing that no one still donated anything.