That's a very valid concern. The effect of this can create a boom cycle especially since allows a mass of less experienced players into the market. We've seen this with buying stocks and the property market. That said, I also wouldn't have it any other way , it's really about reducing barriers to new business and something that's needed. It would be nice to see this sort of thing in the UK, but I think it is unlikely.

Risk management definitely needs to be a primary consideration for this to scale without exploding.