Taking those risks has trade offs most people aren't prepared to make. The online P2P lending boom here in the UK from financial crisis onward gave people this

Taking those risks has trade offs most people aren't prepared to make. The online P2P lending boom here in the UK from financial crisis onward gave people this opportunity. The end result, 10+ years in, has been subdued returns (relative to e.g. stocks) and crippling illiquidity, as you are exposed to all those late payments, defaults, and have no access to a functional secondary market. Honestly you're lucky if you can get most people to even use a separate savings account. I know many people who keep 100% of their savings in their current (checking) account.