Wait outside, and they will bring out the item you have agreed on.
When you lend money to people, you are allowed to keep something of theirs as a guarantee that the money will be paid back. But you must not go into their house to get it.
Suppose someone is so poor that a coat is the only thing that can be offered as a guarantee on a loan. Don't keep the coat overnight.
They sleep naked in the cold, because they have no cover,