Mr. Vod and Ecuamoby:
The collateral remain in the hand of Lender. He could close the loan at any time and whitdrawal all the amont deposited. I cannot access to this account!
I done this because I receive a fee for each account i open.
This is a fully reliable collateral. and it whitdrawable at any moment.
Collateral is something you can easily sell for more than the loan
plus interests, in this case more than 0.6*3=1.8 BTC. So not really it's not valid/sufficient collateral.
You can read more here:
https://bitcointalk.org/index.php?topic=577765.msg6311902#msg6311902It's very arguable whether it's worth 1.5 BTC. You must give more information to convince everyone you can't recover the account. Most of the times there's always one way for the person who creates an account to recover it, via support for example. Or you could even control that site, as Nobitcoin said. So you're offering something that
could be worth the loan with a significant risk of losing everything. That's not valid collateral.