I just recently was scammed by a member, greendots, out of .9 BTC. I was in desperate need of it in order to pay for my VPS on bitronictech.net. As far as collateral, I am sad to say the only collateral I can offer is a MSDN premium subscription in the hands of the loaner. In the past, I offered this as collateral but was mocked. These subscriptions go for $1k/yr. I will be able to pay forward on my next pay day which will be on 10/25.
Microsoft has discontinued those subscriptions, haven't they?