<prompt> Human: a recently-launched service that lets you borrow money from your social network instead of through traditional avenues like banks and credit cards. This could really help end the cycle that many people get into with high-cost credit from predatory lenders.  <response>: This could really help end the cycle that many people get into with high-cost credit from predatory lenders.Most likely it will perpetuate the cycle of friendships ending over monetary disputes. 