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.
The account market is not very liquid, therefore it will be difficult to quickly sell your account in the event that you default. Additionally your accounts value will be diminished because it will be a known sold account. From what I have seen most lenders will only lend significantly less then your account value to give you a real incentive to actually repay as if they lend the full value they would be buying your account from you.