Do you find P2P fun?

I'm firmly in both camps.

Not sure I use the word fun, but I do find it interesting - both the finance stuff & the unexpected legal stuff.

I used to find it fun.  Less so nowadays.

I loaned out a very sizeable sum via Buy2LetCars to enable such individuals - nurses, school teachers etc. - to lease a new car. It comes to light from the Administrator's reports that a large ratio of the leasees didn't bother to pay their monthly fees or trashed their cars etc. "Doing good" is usually taken advantage of by the person being helped.  

I used to find P2P pleasurable, but not any more. The skull-duggery and the collusion of platforms with their beloved borrowers to take advantage of lenders with every excuse they can possibly conjure up ("Brexit!", "Covid!", "Ukraine!") gets one down. 

Would rather flutter some away at a real casino. At least that way its properly regulated.

 Interestingly there is an NHS lease car ( It says as much on it ) parked down from me it's covered in green moss / Lichen and clearly hasn't moved in at least 18 months.

I had a colleague in my last position who in 3 months managed to put large dents in every panel  including the roof of his lease car

Another person I know took a "COVID recovery Loan" used it to buy a nice Mercedes van which he then sold to his son, then put his business into liquidation and has retired

it used to be profitable fun , with a bit of two fingers to to banks after they avoided all consequences of the reckless actions in their loan policies. Also there were some really great loans that payed up every month bang on time who i was proud to support. I remember with great pleasure the thames river boat loan and some old git who used a a magic cold metal plug to make austin healy panels and stainless goldwing exhausts. 
Then came the scottish spy laird , its been all down hill since. Sorry its not just business , its my personal money aquired by people who move lender to lender giving each successive one a haircut and paying little or no interest during the loan. Well its all down to folk to folk now , I hope they know the full history and act promply at any dealt or change of plan. I tryed to invest with them but the minimum loan stake was to high for me. But a telephone call resulted in clear impression of should I say a distincted lack of humour arround defaulting borrowers makes me hope for a bit of payback in the future.
I would not of touched a loan under 9% in the early days and inflation was 2% ish , now the floor is 5.5 % and i am loosing money before defaults as inflation is far higher than that. Trouble is what else to do, now I just try and beat the bank savings rate after losses , invested in as many reasonable loans as possible . This means its just about impossible to read all the updates and take interest in the progress of individual loans, the fun has gone.
The actions of some peer to peer companies has attracted the attention of the feckless and fraudsters, who see the sector as an easy touch for free money, turning the whole thing into dangerous place to play.  How did we get here , what happened to the early days when it felt at least a bit , fair to everybody and bugger the banks.