You forget that crypto currency scene and its volatility creates a condition that essentially destroys the traditional framework for these deals - a separate idea is needed to accurately adjust to is nature and draw up a contract that is essentially fair for both sides. Your opinion that this is a margin loan is incorrect by the fact that you must consider the exact environment in which you can apply such definitions with some reason.
I am not really sure what you are saying here, or how it is suppose to sell your loan.
You also forgot to mention the reward as well as risk that is both eliminated when I give out the collateral - I am myself forfeiting a chance to profit if the collateral goes above certain levels in the volatile market for a quick x2 or x3 if that happens, as it often does in crypto markets. I will only be able to get my collateral back if the escrow sees that I made my repayment on time - and the lender is assured of collateral disbursement through 3rd party escrow, an essential option which was somehow strangely rejected by some 'legitimate' people on these forums

Not true. You give your collateral to a trusted escrow and the trusted escrow can sell the collateral on your behalf if you request him to do so, the proceeds would first be used to repay the loan and any excess amounts would go to you. This is very similar to you having your collateral on an exchange, only that you are not able to withdraw your collateral to a wallet that you control unless you repay the loan.
Your points are valid only if you consider the profit and advantage of the lender and not the other party - and crypto currency environment as I said does not allow the traditional definitions of these contracts to be applied accurately due to the very different nature of its current 'markets'.
See my above point. You are able to direct the escrow provider to sell the collateral if you no longer think the collateral is something you wish to own.
Also, not sure about you but I have seen members in the past with lower trust rating then either of us handling the amount easily double the portion I am asking for here, and have completed such deals successfully.
You have seen people take out loans for $5,100 worth of bitcoin? Under similar terms? Please post a link to a thread for proof. I generally speaking I have seen mostly very small loans ever end up working out. Like I said before your condition that the collateral will not be sold in the event that it's value drops below a certain point essentially makes this a loan that is secured by nothing more then your reputation that you will repay. Also again, your reputation does not support you being trusted with more then 7.5
BTCAs I said, I try to reach the fairest deal possible within the given framework. I'd say, if the loaner party is willing to risk forfeiting profits from the largely volatile markets with the absolute basic consideration that collateral is not returned until full payment is made, then the lender can accept both the risk and reward of the markets as well. This is a negotiable contract and trade, and balance is essential.
Again I am not sure what you are trying to argue here. I don't want to accuse you of anything but it somewhat looks like you are trying to use "fancy" words in order to make yourself look more qualified to give your loan credibility.