Lol seriously? As someone from West Africa, it's is such a perversion of the concept you might as well say Facebook is just a high tech version of a bulletin bo

Lol seriously? As someone from West Africa, it's is such a perversion of the concept you might as well say Facebook is just a high tech version of a bulletin board... The whole idea is participants come from a tight knit group that know and trust each other, not literally every person in your contact list. And what kind of community lending starts harassing members preemptively to illicit future payments, them starts spamming people who are unrelated to them indiscriminately?