Dear friend,
i already prove that i am not scammer. is scammers have documment verified accounts??
For arguments sake, let's say all your ID information is valid and not stolen, faked or "borrowed" from someone else.
If you default on your loan, how exactly will your proof of ID help me recover the funds? Should I spend hundreds or thousands to track down and prosecute you?
Now do you see the invalidity of your ID argument and why collateral is requested?