You haven't been around as long as I have, so you may not know this, but the Admins of this forum tend to shy away from setting absolute rules. They let the community itself decide the rules.
By leaving negative trust on people who use accounts as collateral, trusted users of this forum are effectively banning using accounts as collateral.
So while the forum may not officially back it, I had that opinion in the past, and it looks like TC has it now.
Stay clear of using accounts as collateral - it just encourages fraud.