Do not make the mistake of thinking you are comparing apples to apples here.

I completely agree with @Mike Dymski this is apples and oranges, not haves and have-nots. 

I did go through a few bad apples, though.

Assuming apples to apples comparisons, I am only considering the interest rate they offer, is this a mistake?

Apple) who have committed to taking back their products at end of life.

I think the impact would come from the loans that were previously modified at ridiculously low 2-3 percentage interest.It's hard to compare apples-to-apples without knowing which kind of notes the fund you're referring to is investing in (or creating)

There will always be negativity around us, and if we let fear win over rational thinking we would never have successful companies like Google, Apple, Facebook, Amazon, etc. 

So far my POL investment (Tinley Park Sports Complex) has been performing as expected, but soon after doing that one (and a fix-and-flip on PeerStreet), it became clear that I would need a *lot* of capital to effecitvely diversify away the risk of any non-performing loans (it's not apples-to-apples, but this analysis from LendingRobot on diversification needed for P2P notes is helpful.)

You'll run across some bad apples, but it's been worth it to weed them out and build a relationship with the good ones.

If you want someone to hang on to your info for future reference, give them something of value that has your info on it (bottle opener, magnetic sports calendar, pen, etc.).