I like these lending sites, but as a newly minted lawyer, I keep hearing "What If" sirens in the back of my head. I understand you only lend to trusted people, but what if trusted person returns the good in not-so-good-but-not-terrible shape. The lender keeps the security deposit, the borrower thinks he shouldn't have, do we then go to litigation? Do we trust the good will of people or some kind of community-based reputation? I think this could certainly get a little dicey if it ended up being popular, especially in edge cases like the one above.