I know that people used to take accounts as collateral, but these have nowadays started to become worthless.
Account collateral against a $1000 loan is of course worthless.
These accounts who take loans, most of them have no history to preserve for themselves. If I was to lend anyone by valuing the account then the user would receive maximum $50 loan from me. Perhaps then he would do his math's that if he want the account get destroyed or he pays the debt back. Unless he pays the money back the lender really does not have any profit at all.