Imagine a scenario where the TGE has already happened but no-one claims their tokens or collateral in case of default.
Assuming the protocol accounting is not broken, only the Stock.authority or Offer.authority can withdraw the value from the system.
Also the owner(), if he holds TGE tokens could eventually settle and retreive the collateral, yet this depends on the owner having the token, which is a risk.
If these addresses' private key is lost or users forget to claim their share and the owner does not hold the token being distributed, funds will be there forever. Chances of this occuring is Low but possible.
Add an expiration date on each Offer and Stock to avoid the funds being stuck forever.
After the expiration date anyone can claim those funds or maybe just send them to the dev team wallet.
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