I'm sure they must have some safeguards in place for this but what's to stop people from taking loans and just walking away with a 70% profit? It happens on Lending Club and Prosper I see the same thing happening here. Maybe once you burn the community your out but your still up 70%.
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That is what I figure. A reputation system like on eBay or Amazon but if you cut and run you just burnt that situation out for the short term gain!