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What does 'not' apply regarding secured transactions. Meaning what rule of law is not correct: property as collateral for a loan secured creditor as having

What does 'not' apply regarding secured transactions. Meaning what rule of law is not correct:

property as collateral for a loan
secured creditor as having a lien against the property that serves as collateral
creation + attachment + perfection "in that order"
The lien secures the repayment of the debt

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