I dont believe his account is worthing 0,20 bitcoins im sorry, but with lucky someone can give you this loan, now about the colateral value should be above 140% the loan, and your hero maybe worth 0,12btc i dont know but 0,08btc would be the maximum ammount to risk here, but i might be wrong i dont know the exact value of hero accounts.
Alright, understood. No worries.