Am I correct in understanding that all this startup does is personal loans? That's it? That's going to "change the face of an entire industry"? I'm quite cer

Am I correct in understanding that all this startup does is personal loans? That's it? That's going to "change the face of an entire industry"? I'm quite certain the bankers at your local Wells Fargo/Citi/Chase branch work 9-5 and underwrite personal loans all day long without working 80 hours a week. What on earth could these guys be working on that requires such an absurd work schedule? I've done the 12 hour days as an early employee of a startup (and one significantly more interesting than this). I will never do it again. The math just doesn't make sense—I make substantially more money working at a big tech company and going home at 5 every day than I likely ever would at a startup. Why should I give up my personal life and make less money?