True, true, but I don't want to take zero risk. I want to take some risk. For example, I do own short term Treasuries, but I want to borrow against them to shor

True, true, but I don't want to take zero risk. I want to take some risk. For example, I do own short term Treasuries, but I want to borrow against them to short some stocks I don't like. And as soon as I have a margin account, my counterparty risk changes drastically due to how brokers work.