A charge (see separate definition) taken over items of value used a 'security' or 'collateral' for borrowings. In the event of non-payment the lender has a right of recourse to the assets.
A warm feeling of happiness. A sense of being as well protected as is possible. A certainty that risks are minimised and controls are in place. It's a charge over someone else's assets where money is owed to you. So, in the event of disaster, your charge places your claim at the front of the queue for repayment.