That is a great idea. All loans should be at our own risk anyway, the site should not be responsible in any way, imo.
It will help to see who pays back and such. I know I have contemplated loaning and went to the market place to see who had set up repayments for certain members, but it doesn't really tell you how many they have paid back or how many outstanding if the person who lent didn't set up a repayment thing yet.