"Y Combinator for people?"
alain94040: The only part I agree with is investing in the entrepreneur. Check out http://www.entrepreneurcommons.org/Your major flaw is that you assume 85% success. The truth is that for $100,000 loans, most entrepreneurs will spend it and then default on the loan.Entrepreneurs will invest the money you give them: hire people, hire contractors, build stuff, etc. Once their venture fails, they come back to you and apologize, but the money is gone.To use your words, your plan is great for the entrepreneurs, and very lousy for the investors.