Another idea:
Peter had a blog column about a friend of his investing her first $5k in huge chunks (like $500-$1k per loan). I know it's impossible to know
whether this behavior is from someone who plans to begin investing $5k per week or month or the like, but some kind of popup when users,
say, have an account balance of $5000 and then plop down bids that are greater than 5% or so of their total account value, reminding them
about the benefits of diversification, might be nice - and forestall any bad feelings against the platform by those who make such a mistake...
I realize that gets tricky, with instant xfers, and not necessarily having a useful denominator to look at, to gauge diversfication - and also not
having a crystal ball to know whether $1k or so bids per loan might still provide statistically meaningful diversification if the investors intends
deployment of $100k+ or so - but, maybe just target it to new investors or for the first five bids someone makes, if they are disproportionate.
I know this stuff exists in other parts of the site, but, something at point of bidding, much like how you used to pop up a warning when a bid,
under the old auction model, was significantly under the expected historical return for loans with similar credit characteristics, might be good.
Not everyone has a friend like Peter, who understands the need to diversify in p2p - but, then again, maybe Peter's friend is just an anomaly.
Anyway, just me worrying about people going away mad, when, if they'd do it right, they'd stick around and make themselves some dough...
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