The system is designed to default to expanded, and when a user collapses a block, the name of that block is listed in a cookie. Then when a page loads, a javascript function checks the vb_collapse cookie for a list of blocks that are collapsed and hides them. So you could modify the block_html template to default to collapsed, but since there's no js code that looks to expand collapsed blocks after the page loads, it will always load as collapsed.
You could write your own js to allow for default collapsed blocks, and modify the block_html template (I believe it's the class="collapse" that the built-in vb collpase system looks for). I don't thin k it would be too difficult (unless you don't know any js of course).
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