If someone made a legit and regulated lending platform I would love to start investing in people's projects but I cant trust BTCJAM after seeing so many scam accusations. I think that BTCJam should force people that want money to record a video and prove it's them and also FORCE a collateral, always or people will keep scamming.
We need a conventional bank to accept bitcoin before we can reliably save and borrow bitcoin. That means a regulated bank.