If you're using your account as collateral in a loan it's just one of those necessary evils to hand over your keys wither to the lender directly or to a neutral 3rd party custodial service in Hive.Loans case.
Once a lending contract is accepted on Hive.Loans there is no way to get out of it until the outstanding balance on the lending contract has been satisfied.
The advantage here is that you could have up to 70% of your accounts HP loaned out to you instantly if you needed it and a loan contract was available to fulfill the contract.
okay got it, that is a new use case :) 👍