i'm only doing the theoretical angle. you can be sure if there is a website that offers handouts to anyone with a photo and a sobstory, someone is going to bust out the clipart cd and fabricate a legion of worthy recipients
The triple digit interest rates that some international Kiva parters charge
holy f*&k! an even better scam than i could craft...loan-sharking poor people with the principle provided by an outside funder (i.e. "mark") who has NO EXPECTATION of recovering the funds?!?!?! shit these guys have it all over the mob