I think 2 active loan limit is fair. Recently got burned pretty bad by someone with the username "user3984". Basically lost all the profit iv made and am now in the red. This guy has like 31 repaid loans, but also has 19 that are currently active, and now half are overdue and he seems to have just peaced out with the money. Seems like he spent quite a bit of time building up loan rep then took out a whole bunch of smaller loans over time to make it not so suspicious.
If users were limited by the amount of loans to take out it could help get rid of this problem. Maybe have it so you can only have one "in funding" at a time, and max 2 active at a time.
No reason you couldn't just limit yourself to 2 loans per person when lending. There are too few quality borrowers as it is to lend to.
If I am careful and only loan out to 2 loans per person but they are then allowed as many as they want, create a Ponzi and run, I am still out the BTC for a lender that
became a Ponzi after I lend to them during the period of time they act like a responsible lender. A hard limit of two loans prevents this type of Ponzi. They can still increase their loan amounts on each subsequent loan but that is highly visible, everyone can see what is going on when it happens, and I don't have to rely on others to not loan to him when he increases his number of loans.
With Identity and address needing to be verified now, I don't think a ponzi will be easy to create. Sure it is still possible, but not as likely