As a prosper borrower, I loved the service (which helped fund my startup - http://fangamer.net ) because it was kinda like high school -- easy to excel with nothing more than a little effort. Not hard when your 'competition' is a picture of a dog and the words "gotta pay credit cards im very trustwrothy w/ $$$".

I haven't gone back to Prosper since I paid off my loan much earlier this year, though, so it's depressing to see that such a brilliant idea was handled so poorly.

Hopefully some enterprising young turks can find a way to make it work...hint