Financial enterprises may be more to the point ... there will be going concerns engaged in providing the peer to peer networks, but under your thesis, they will finding ways to make money off of the communications traffic they generate, rather than from taking a financial stake in the process of extending credit, so they would not be financial enterprises as such. I've been accused of being a Marxist, yet while Harpo's my favourite, it's Groucho I'm always quoting. Odd, that.
