But, I doubt that still someone of them agree to hold bitcointalk account as collateral, (if only SebastianJu or ranochigo)
If I understand correctly, the escrow receives Bitcoin as collateral for the Bitcointalk account that is being borrowed.
Please do not criticize the service until it is ready. I have put some thought into countering any possible downfall.
You've made 2 posts after a 4 year break. I'm curious to see what your plans are, "account lending" sounds like a loophole for account sales, which is strongly discouraged.