Wow, just wow! Thanks for the help. Looking at all those people I trusted and tried to help, really puts P2P lending in a different perspective.
Still can't figure out why I'm such an eternal optimist. I still believe there remains a future in P2P lending. However, I now know there are some people doomed to fail. Why does Kiva work? How do we rekindle ethics and a sense of shame in American people?