I do not agree that this is sad. Even if 4 Bitcoin collect that is 24 thousand dollar HUGE amount as investment into just a idea. 200 thousand is mega mega collection of money for these peoples here

Just imagine they start with 0 and today they are having more than quarter million dollar to play with it. I dont know I think that they have good idea here but i know many developer with html and php on odesk can build loan website with less than 5 thousand dollar. in my personal opinion i think they collect even more than needed to build something like this

For loan website penetration test is most important thing. something like this need own specific algo so that function is different from normal website