your account is not worth .5 BTC and all your trust is from untrusted people.
I would say the most you could get from a loan using your account as collateral would be .1 but that might be a stretch
But, how you know how many each account can be worth?
I see you selling Sr. member accounts and ask 0.4
BTC and you say my is worth 0.1
Anyway, I dont want to sell my account, its just for secure of loan provider that
I will repay on time. I dont want to lost this account, because it have personal
value for me.
Of course he says your account is worth max. 0.10 BTC in the hopes that you will sell it to him under 0.10 BTC.
Quickseller is an account hoodlum. He is involved in very shady account activities. That is why he gets a