A loan with physical collateral is quite complicated and can be said to be unusable. For smaller amounts, the transport of physical goods raises the cost of the loan, so profitability becomes questionable. The same for larger amounts, in addition to higher shipping costs, the risk of additional damages is not negligible.
In the end, the whole process may take time, because the lender must first make sure of the value of the property and that there is a possibility of instant terminating the collateral due to the eventual collection of the loan.

That there are those who offer accounts, but there is no one who accepts accounts as collateral 

PayPal is a reversible method of sending money, which means that the sender can change his mind within 180 days and ask for a refund, which means that the other party can be damaged.