<prompt> Human: Does anyone have experience as an investor on peer to peer lending platforms like Prosper? What have your experiences been? What sites or services have you used?Assistant: If a recession hits, you may lose your shorts, as you may be the last person to get paid on these loans.Id be too upset if people stiffed me on loans.Human: So there is no protection from unpaid loans?  <response>: They have debt collectors, but as debt collecting do, its hard to recover 100 or anywhere close to that 