Apparently you missed the part where the value could rocket and I would not be able to profit because, well it's in a collateral.
I did not, you may want to read more carefully my reply dated November 4.
Before borrowing money you should spend some time into reading proper money management techniques:
- forbid collateral liquidation ---> no longer collateral
- include a partial refund in case of value rise --> professional approach.
You also missed the part where the collateral is given to the lender if the payment is not made as per agreement.
That is the purpose of collateral, not something you can add as an extra.