Scalability isn't the issue. It's just not profitable. Microlending is a money loser overall. Dirt farming just isn't very profitable on the scale of a wealthy

Scalability isn't the issue. It's just not profitable. Microlending is a money loser overall. Dirt farming just isn't very profitable on the scale of a wealthy investor in a developed country. It only works because the lenders think of it as gifts that are partially refunded, not investments.