Still, it's not worth 0.045. Even the price estimator says it's only worth around ~0.03, and it usually overprices things. Do you have better collateral? Or are you willing to lower the loan amount?
It says that because of the current activity. Get it to 160 activity & it'll be worth 2-3x more.
I can do a minimum of 0.035 BTC with this account as collateral for 0.038 BTC repayment in 4 days
Lenders are not likely to use the account if you default your loan; they want to get rid of it asap to get back the money they lost. Even if they want to keep it, they have to use their own time to grow the account. Even with 0.035 BTC, I could buy a decent full member, without using a lot of time trying to inflate it up to full member.
Lenders will make profit either way.
You can easily sell a full member account for 0.045 BTC, as most go for around 0.065 at the current prices.