I don't think this loan poses a very good risk to the lender if you will not allow the lender (through the escrow) to liquidate the collateral in the event the value of the collateral falls below a certain point.
You are essentially applying for a margin loan which is a loan when you use a stock or a bond as collateral so you can purchase more stocks/bonds. With a margin loan the lender (usually your stock broker) will be able to sell the stocks/bonds in your account to cover your loan in any situation, not just when the price falls below a certain point. Although most brokerages will have a policy to attempt to contact you to get additional collateral in the event they wish to sell your collateral, they are not required to do so and can sell at any time for any reason. On here, lenders will generally only want the borrower to agree to allow them to sell the collateral in the event that it's value falls below a certain threshold, but would generally still be considered to be a margin loan.
If you are going to allow the collateral to be liquidated then you are essentially taking out a loan using your reputation as "proof" that you will repay. According to your OP you are asking to borrow a total of (just over) 7.5 BTC which is significantly more then your reputation should allow you to be trusted with at one time.
You forget that crypto currency scene and its volatility creates a condition that essentially destroys the traditional framework for these deals - a separate idea is needed to accurately adjust to is nature and draw up a contract that is essentially fair for both sides. Your opinion that this is a margin loan is incorrect by the fact that you must consider the exact environment in which you can apply such definitions with some reason.
You also forgot to mention the reward as well as risk that is both eliminated when I give out the collateral - I am myself forfeiting a chance to profit if the collateral goes above certain levels in the volatile market for a quick x2 or x3 if that happens, as it often does in crypto markets. I will only be able to get my collateral back if the escrow sees that I made my repayment on time - and the lender is assured of collateral disbursement through 3rd party escrow, an essential option which was somehow strangely rejected by some 'legitimate' people on these forums
Your points are valid only if you consider the profit and advantage of the lender and not the other party - and crypto currency environment as I said does not allow the traditional definitions of these contracts to be applied accurately due to the very different nature of its current 'markets'.
Also, not sure about you but I have seen members in the past with lower trust rating then either of us handling the amount easily double the portion I am asking for here, and have completed such deals successfully.
As I said, I try to reach the fairest deal possible within the given framework. I'd say, if the loaner party is willing to risk forfeiting profits from the largely volatile markets with the absolute basic consideration that collateral is not returned until full payment is made, then the lender can accept both the risk and reward of the markets as well. This is a negotiable contract and trade, and balance is essential.
He know this very well my friend. But it is way easier to shift the risk on the lender instead of taking it for yourself
'my friend' LOL finally found someone you could latch on to as support (because surely he thinks of you as a 'friend'
) instead of begging for customers in your long unfilled loan thread from few months ago
You bitched and moaned about leaving the thread with 'no further comment required' 'I am leaving' no less then half a dozen times now, and crawl back the moment someone writes a post that is their own opinion - making bitch moves again?
Try not to spill any dishes or mouth off at your customers again this time
Not that you have long at your job anyway or your failed little exchange adventure.
Scram, whore