Some of the fault was ours. Experienced lenders got frustrated with high defaults, low Prosper support, and nonsensical rule changes; many resorted to inappropriated (rude, nasty, childish) behavior in the forum.
Prosper's inability to moderate and control the outlandish behavior of a great many posters, threw up their hands and just closed down the most useful tool lenders had. Most of us agree it was an over reaction, but in Prosper's mind, a necessary tactic if they were ever to get back control of their business.
There are times when I think the same thing will eventually happen on this board. Many of the oldsters (God, am I calling myself an oldster?) seldom post over here because of the same stupidness.
A word to the wise - don't fall for the constant baiting a few over here tries, just to get a rise out of the room.