I lend on Prosper but I am worried that there are borrowers who have figured out how to game the system. If you look at the borrower applications they are clearly not filled out by real people. When I first started lending there in 2007 you could tell it was a real person applying for the loan because the application form contained more information about the borrower and they actually answered questions. It seems pretty sketchy to me but I haven&#x27;t pulled my money out just yet.