I would like to become a lender like others on this forum, but as you can see from my account, I don't have the necessary credibility to operate like others.
You need to be proactive in different discussions through this forum if you want to earn some credibility. Other forum members must meet you, to see some of your views in certain situations, problems etc... As in offline life, based on your behaviour and reactions, you gain a reputation, so it is here.
Do you think I can act as a lender by leaning on another user who escrow and who holds the collateral?
Of course, you can, that is the most desirable scenario, to use escrow for collateral. You just need to be sure and know how to define all the conditions.
I see that you are somewhat more active in gambling, I have to say that I think that it is not the smartest thing to deal with lending, to keep someone's funds, and at the same time have a tendency to gamble. It seems that things can go wrong very easily.