Funny how so many are in denial about BTC which is so similar ....... Many have called BTC a Ponzi as well, hell perhaps it is. BTC went up over 1000% this year which would be hard to match using BCC. I honestly can't understand why so many people get their panties in a bunch about this one. Too good to be true ? Yes and so is Bitcoin 
The big difference is that Bitcoin is actually sustainable and has a vision.If lending money blindly actually worked the banking crisis wouldn't have taken place in the not so distant past.
People should know what happens when people with poor credit get loans, since that approach collapsed brutally at the expense of the tax payers quite recently.
Except this time there will be no regulator to catch the losses, so good luck to anyone who goes this route.