Lets face it. As retail investors, we are just a bunch bottomfeeders. We provide only 25 percent of the funds that sustains the loan market. If all of us dissapeared tomorrow, HM would still function and be going strong. Institutional lenders can absorb the fees and delinquencies quite easily. From a business perspective: HM doesnt really owe us anything. If you dont like the fees. Then dont invest after mid june.