This paper introduces a conceptual framework for a War Collateral Accountability System, designed to embed fairness, deterrence, and citizen protection into war financing. The proposal outlines governance clauses, scenario tables, and stress‑test extensions that aim to ensure transparency and accountability in the allocation of wartime costs. By benchmarking enforcement logic and modular design principles, the framework seeks to stimulate debate on how collateral mechanisms could reduce harm to civilians and strengthen deterrence against reckless conflict financing. Framing Note: This work is shared as a conceptual suggestion intended to spark discussion. It is not peer‑reviewed and does not represent expert analysis in economics, law, or political science. The purpose is to encourage dialogue and refinement of ideas around war accountability and governance innovation. Keywords: war accountability; governance framework; collateral enforcement; deterrence; citizen protection; policy innovation; war financing; distributive justice; international law