If you are unhappy, shut up and leave already and get on with your lives! Some of us still believe that peer lending can and will work. Why do you choose to defamate character of a free man? Go volunteer or something, geez!
I believe P2P lending can work too, but I don't know that it will work if it is run by scofflaws and crooks.
The P2P concept is better off if the bad actors are ushered off center stage.
Prosper can, at any point, decide to conduct itself with transparency, ethics, responsibility, and treat its customers (lenders) with respect and integrity.
Ever day that goes by without Prosper making sweeping changes is a day that they affirm the status quo is how they want to run their business (into the ground).
As for Bama volunteering--Bama is volunteering--to save me and other P2P investors thousands or even millions in capital that would otherwise go to deadbeats and to Prosper's managment team.