- Never send collateral directly to a low activity/post account offering you a loan, as they are likely to take your coins and disappear. (Collateral Scam)
- Use only "Legendary Members" for escrow - they have a vested interest in the community with the time they have spent here.
- Do not use a third party escrow service unless hero members can vouch for it - it's too easy to create a website, do a few escrows then disappear with a big balance. Rinse and repeat.
- A list of trusted escrows can be found here: https://bitcointalksearch.org/topic/bitcointalk-escrows-trade-safely-855778
When considering the trustworthiness of a user, ignore "Posts" as there are schemes that pay a user per post. A person can make 1,000 useless posts in one day and contribute nothing to the community. Instead look at the "Activity" number - that gives you a more accurate tally of how involved the user is in the community. The new "Merit" system highlights thoughtful or useful posts, but gives no indication of trustworthiness.
Ignore the sob stories that users post - it's just a scam to get your coins. If a person really is in such a situation, they can turn to family, friends or other social circles they frequent. They are just posting in our community because the payment is anonymous and irreversible.
the answer, obviously your, can't, maybe after you reach the rank as described above, maybe.