This is a really interesting use case for the de-centralized network. I get the impression we, the people, could as a group loan people money for interest. Rather than the centralized banking system or singular individuals. Don't take my word for it though, go here and sign up to have a look. Maybe get in on the ICO if you are so inclined.
https://membership.saltlending.com/?r=75rrB
Disclaimer, that link may help me purchase SALT ICO sooner. Thanks!