I do not mind if the borrower does not want it back, as the account is worth more than was loaned. (that is the point of collateral)
Not really. The account is already tagged by a DT member, which means that the account worth is really close to 0 because it cannot take part on signature campaigns (the legit ones that actually do not accept sold accounts to their campaigns). Also if the borrower does not pay the loan at all, then you are basically 0.1 on loss. I suggest that you only accept account as collateral that do not have red trust, no long period of inactivity. This can be considered as an account sale.