Making such "friend-to-friend" lending a major part of the financing infrastructure in the US, it would clearly lead to strong economic and racial disparities.

Making such "friend-to-friend" lending a major part of the financing infrastructure in the US, it would clearly lead to strong economic and racial disparities. You don't have to make that kind of stuff illegal, but you also need to make sure that you don't base important parts of your economic systems on such biased processes.