Valuation and Charging a property for collateral is long, expensive and tedious. Most give 60-70% of value. You finally get 75-90% of requested amount as the rest goes to those expenses unless they specifically say they should be out of pocket.
They will never realize/appreciate. People have been conditioned like automatons. Most are reactive thinkers not active.
Case in point many will never know what Kibaki did for them.