Okay, I need to find a trustworthy escrow to make this work! Hopefully I can find one that actually knows what the value of the Gold / items on the account actually are
No lender should rely on any 3rd party to give them the value of collateral. The lender should determine that himself.
Update?
Figure out how much collateral you need to secure the loan. Until you can do this you are guaranteed to end up loosing money