I don't agree with the idea that people will suddenly look at investments in a different light, maybe some idealists will, but this will never be more than a minority. I don't see why there would be more of these types of lending than is currently being done. The majority of lending practices will still be about making money.
I agree with you within existing society. But I also just saw
http://www.kickstarter.com/projects/680276743/learn-game-programming-codeschoolorg?ref=category over at Kickstarter. I couldn't fathom why he would get over 5 times his stated goal, especially since you figure once the tutorials are up you get access to them either way.
My only explanation is there is a trend towards investing in the commons, and this trend is self perpetuating. The more people invest in the commons, the more commons people can take advantage of, the more people want the commons to grow, the more people invest in the commons. I am in no way suggesting that existing forms of investing will disappear. I'm only suggesting that as a mechanism for growth and development we may see a day in the future when popular support and crowd funding becomes an equal if not greater driver of growth then traditional investors.