So say you want to take out a loan and put your account up for collateral (not a noob account).
you need a full member and above in order to the loan to be accepted in most of cases. Barely no one will accept a member/jr accounts since it doesn't require much time to get one..
Then there is the message signing aspect. How is one supposed to provide proof they own the account by signing an old address if they don't want everyone to know that the account in question is on the market? Between only the borrower with the account and escrow then correct?
since you are using a trusted escrow this shouldn't be a problem to reveal the signed message to him (escrow) tho.
You don't want the whole world knowing that the account is no longer controlled by the original creator do you? Or does it not even matter? (except for scammers trying to use the account's trust to rip someone off, I am not a scammer so this doesn't really pertain to me other than value)
ending with a negative trust containing: "default loan" is bad but with an escrow this also shouldn't be a problem since he is the only one to know the account name. otherwise without an escrow, if you didn't pay the loan then the other part will anonymously sell the account, the problem will rise if you publicly declared that this is your account and it is stolen/sold and in this case the other part just need to prove the opposite by sending the signed message to the admins.