When someone is lending money, the most important parameter is not effort, but return on investment. Saying that btcjam is easier to use is not really important if you're focused on making money. I agree that these lending sites are kind of scam. They don't really care if someone losses money, since they already took their share.

They should at least only take their commission on the paybacks of each loans. At least this way, they would require more information and would actually care about the payback...