how much is his account worth them? I just made a thread saying NO COLLATERAL but need loan and almost got red flagged (warned/neg rep?)
It worth nothing, especially if you look at his post history, you can tell, and why do you care how much is account worth?
Ok then why do I see people seeing accounts and using them as collateral?
You see people use their account because some are trusted enough to do so. Others, like OP and yourself, arent trusted and are high risk. Using accounts are usually looked down on anyway due to account farming, selling, and scamming that occurs, and some (not all) DT would usually flag an account when it is seen used as collateral making them useless. If you want a loan, provide valid collateral as it states
https://bitcointalk.org/index.php?topic=577765.msg6311902#msg6311902 . If you cannot provide valid collateral worth 120% of what youre asking, youre better off just staying out of the lending section because no one will lend to a newbie or someone who will be at a high risk of scamming.