Mortgagee making use of Collateral for Loan

What does this mean that the mortgagee may not make use of the collateral if it guarantees a loan?

Let’s say I come to you and get a loan of $5 000 and as security I give you my beautiful car. You are not to use this car in any case as that will be regarded as benefiting without any apparent reason and that will be regarded as riba since it involves a benefit which you the creditor gets for no real reason except that you have given me money.

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