What is the untold Prosper story worth telling?

Here is a summary of a Prosper story thay may be worth telling to the outside world.

The actual default loan rates are much higher than Prosper would lead one to believe.
- Prosper Discussion Forums - Late loan statistics, Yuck!
  - Conclusion: Loans are going late at rates which extrapolate to defaults at 2.5x to 5x the Experian historical figures. All extrapolation is speculative, but I feel confident in saying at this point that Prosper's default rates will be more than 2x the Experian numbers. If this is correct, a great many lenders will lose money. - pninen

At least one mega-group leader, TwoMillionaires2, uses a financial tactic, Community Payments, to disguise its actual delinquency rate, a possible predictor of default rates. This practice very well may perform like a Ponzi scheme, giving the initial appearance of higher than expected returns on investments until its ultimate collapse and subsequent financial losses for the affected lenders.
- 2M Community Payments, How many?
- Two Millionaires Why Do You Make Community Payments? (Part 2)
A number of lenders who have vocally objected to this practice have been suspended from participating in the related discussion boards and the related topics have been locked.
- People being banned, Apparently some people are being banned
- Complete list of locked 2M threads, Two Millionairres can run, but cant hide
Some lenders have immediately withdrawn their available funds from Prosper with the intention of systematically withdrawing their remaining funds.
- Post your funds withdrawal here!, Strength in numbers.

ProsperStory