Buyers and sellers have E-Bay and Pay Pal, and in the last couple of years sites like Zopa and Prosper bring together borrowers and lenders on the internet. The idea is borrowers pay less interest than they would at the bank and lenders make more than if they were saving at the bank. Informal marketplaces for social lending have been happening within families and social groups forever. As banks take PR hits for increasing profits and rising fees, can person-to-person interactions over the internet fill a void? Or will this lending model degrade to a meeting place for "bottom feeders"? It will be interesting to see how it evolves.