The tricky thing with digital lending is that anything online that is capable of abuse via scale will be subjected to it. If the fee for one borrow is $X and th

The tricky thing with digital lending is that anything online that is capable of abuse via scale will be subjected to it. If the fee for one borrow is $X and the cost of buying one borrow on Mechanical Turk is $Y, if $X > $Y then someone will arbitrage.