I am glad that the bitcoin is going down a bit (call it bubble or not). Then again, all these new lending coins (e.g. coinlendinglist.com) have a symbolic character - besides the chance to earn big cash or loose it all! - in the entire process of blowing up the crypto coin empire. Maybe their impact is too little but looking at Bitconnect and soon other big players such as Hextra Coin and Regal Coin they might affect the crypto market in a very negative way on a long run.