but what if the person changes password i am allowing this also
Yes of course you will allow that because your intention is to use those as something to get some "free cash". After you are done taking the loan you will visit the support sections of the sites and claim your accounts to have been hacked, give them your email address and they will rest you the password because you requested so. At the end of the day you reclaimed your "collateral" and got some "free cash". Hooray! Isnt that a nice way to scam people?
Princess, We have been on internet for a long time , we know how you little kids act.