Internet is the only one media through which you can send money or pay your purchasing. Therefore, I believe trust is important and even compulsory.
Letting money to stangers through the internet is a bit amazing. It's, at first sight, a very generous idea because most of people on the site who are asking for money are people who have real problems. Most of them chose this way of borrowing money because it's their last chance.
People who lend money have no qualms. Indeed, they are just totally opposite to internet culture ; they take advantage of the situation and extort money to these people.
This is not a model of generosity at all, they just benefit of the other's misfortune. If banks refuse to lend them money it's because it's a risquy business for them...
However, many borrowers do not hesitate into investing for lucrative reasons, the interest rate is humongous... sometimes up to 60%
I think it's a viable model because there will always be hopeless people.
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