I saw the thread which you had opened and I am afraid to say that this type of collaterals are not accepted as valid ones. This is a bitfinex account and these accounts can be social engineered back to the original owner.

In case you do default your loan and then the lender is stuck with this collateral they have no way of making it back. Rather if you offered the Ripple coins as collateral then probably it would be valid and such negative rating would not be given to you.

In any case I am also giving you a negative trust because I dont trust people like you who are planning of defaulting a loan using a recoverable collateral.

It's because you are making an unfair decision against the one lending you coins, I mean he is already made up his mind on your transactions or negotiations and yet clearly you still cannot make up your mind about what you will give to him something in return remember in making transactions with someone both have the parties need to fairly agree onto something they need to give before the transaction happen.