“To rely on coercion to achieve progress is like relying on bulldozers and steamrollers for routine transit.” – Jim Bovard
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I hear you; the idea of investing into something forward-looking is inherently more appealing to me than helping to mop up past mistakes, which seems to be what a lot of people are using Prosper for. That said, I know that pain, and if a person can get out from under a mountain of credit, I like to think he or she won’t repeat that mistake, at the very least.