Lol, it seems that you don't even know the meaning of the word "collateral". Maybe to make the same question to yourself and then to others. Why someone to give you, a total stranger, any amount without any guaranty that you will repay him? You talk about critical thinking...
Go to someone you know, we don't give money for nothing here. Especially BTC!
It is enough
we just understand It's okay, make it as entertainment, we better say thank you for making us laugh happily and at the same time confused: D .. Maybe according to him in this forum we are considered as donors