The answer is credit card.
Credit card cannot be used to secure a debt.
This is because credit cards are themselves a form of debt or loan. The record collection, house and cars are all assets and these can be used as a collateral against loans or debts.
Loans or debts or credit cards cannot be hypothecated against loans.
This is why credit card is the answer.
answer: 32 loaves.
if you make 8 loaves with 1 teaspoon, 8x4=32
a. record collection