I don't think the risks aee two large it's that the people putting the money aren't properly informed/educated. If you want to lend to people who have a 50% def

I don't think the risks aee two large it's that the people putting the money aren't properly informed/educated. If you want to lend to people who have a 50% default rate, feel free! Just make sure there is an actuary who can help you manage your risk. I doubt these p2p companies were helping people weigh risk.