Real money would be in starting up a service like that.
1) Prosper is 100% cash asset backed when they loan the money beacuse they don't fund until they've received the cash.
2)Prosper takes a cut of the intrest on the money.
3)Prosper charges you a percent fee to preform the service.
4)Even if the person defaults prosper doesn't lose any money.
Good business model!...
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FIX PS3