You're taking this all wrong. This is not a negative reaction, but a reality. As suchmoon explained in the very first reply, your collateral is not good. While you may think that your domains are worth enough to cover the collateral for a loan, that is merely your subjective opinion. Also, transferring ownership of domains can become complicated if you later decide to file a complaint with Namecheap.
I understand that you might be in a desperate position, but I fear that you will have to explore another solution. Maybe you have another digital asset you could offer as collateral? If not, I suggest you try to find a solution in RL (you probably own something you can pawn, or something like that).