Actually, it's interesting. If you look at prosper.com and people-to-people loans, the high risk loans run at exceedingly high rates. It's easy to assume lender

Actually, it's interesting. If you look at prosper.com and people-to-people loans, the high risk loans run at exceedingly high rates. It's easy to assume lenders are sharks until you look at the interest rate required to make a profit which will offset defaults and try it yourself. As for who would agree, anyone who can get a greater than 70% risk-adjusted return on their money who has no other source of funding.