Lending platforms will continue to rise which is a sad thing. There will always be a successor every time a king has been dethroned. Facebook just did a good thing for banning advertisements that involves ICO's because most of them are lending platforms. They can never be sustainable unless bitcoin's price continues to rise but that's not the case. Bitconnect brainwashed tons of investors and long before they knew bitcoin's price would crash. You can check this website and avoid these lending platforms http://coinlendinglist.com/