Small- and medium-sized businesses need access to a diverse range of finance options including non-bank lending. These new forms of finance are still small in scale today but they should over time bring additional choice and greater competition to the lending market.
You want to put out a TV show? If you have the money to do it on your own by yourself and you have a TV network you can do it by yourself. But the nature of the beast is art needs finance. That's how this industry works. So until the Internet becomes our source of entertainment – and watch it I believe it will – this is how things go.