Anyway, if you think it breaks any rule or it may harm our forum please let me know. I will stop it. I want to say one thing that I do not want to do anything which will be harmful for the forum or any forum member.
I am not sure it's harmful for forum or not but it's really harmful for you. Collateral an account equal to account trade. What you will do if borrower never return your loan? Will you attempt to sale account ? Or only leave with red trust? However you will in lose. For example if someone want to sale his account, he will not post himself due to red trust. But he could take loan from you if you allow for collateral. He will take loan from you and skip with fund. You can't do anything except sale account. On the other hand you don't know the account from where came on. May be someone hacked others account, who know ? Although you are directly not involved with account sale but if you accept for collateral it's means you are encourage them to trade account which is shady work. So better avoid account collateral for loan. It's totally my own opinion. Since account sale allowed by forum I can't force you. But personally I really don't like who involved with account trade.
I have already edited my terms on loan thread (only altcoin as collateral). Giving loan by taking bct account as collateral almost same to non collateral loan. If take bct account as collateral then s/he will not be able to take another loan or will not be able to trade or do any violation which can be harmful for the forum. For example:
pinkman12345 took two loan at a time and defaulted. If it was taken collateral by the first person then s/he could not default another one. I/you (we cant read anyone's mind but we should be conscious as much as possible.
If I give loan by taking bct account as collateral or without collateral I check signature. Or give bitcoin to previous staked address (as exchange address cant be used to verify signature).
And also if take account as collateral then s/he will try to repay as soon as possible. If any borrower still default a loan then nothing to do.
actmyname asked loan without collateral and received from two person .25
BTC I guess as I have not followed latter. And once s/he checked he refunded last sender. So,it is difficult to understand by rank who will default and who not. Someone defaulting 0.0001
BTC and someone not defaulting .5
BTCI'm not sure how effective that would be. There are too many personal message apps that can be used, as well as e-mail. There is only so much that a web crawler can do. Also, someone can take on many different identities on the internet. Moreover, AFAIK, engaging in account sales is not an illegal act in any jurisdiction. Furthermore, I do not think Theymos wants to expend time and money to issue cease and desist letters and other legal action to try and stop this in civil court.
If there is a way to stop a harmful effect for forum, I think that should do for the forum.