This article is a detail-free puff piece that is either serving as SEO spam to increase "Xiva"'s page ranking, or support this guy Dave Fishwick’s career as a hired speaker.
Agreed this is a shill.<p>What are the financials of bank of dave? How many of his loans have defaulted? How does he analyze the risk he is undertaking?<p>What happens to Dave if 10% of his friends cannot or decide not to pay him back?<p>Why does Dave, an individual, have so many resources that he can support thousands of his friends schemes they couldn't afford? Maybe we look at the top down redistribution of wealth. There are so few people controlling so much money and influence.
There’s a pretty entertaining movie about this from 2023<p><a href="https://www.imdb.com/title/tt14308636/?ref_=ext_shr_lnk" rel="nofollow">https://www.imdb.com/title/tt14308636/?ref_=ext_shr_lnk</a>