I agree. The enforcement is difficult. That is the reason ETHLend uses collaterals such as ERC-20 tokens or ENS domain, to regain any defaults. We are introducing unsecured lending as well based on reputation. Would be great to solve the enforcement issue if lender wants to regain the lost loan capital. I think going jurisdiction by jurisdiction is not the right way. On the bio metric, I had lot of research on it, there are still some security isses, for example if one leaves fingerprint or shows a thumb on a picture, it could be compromized, some hybrid system would definitely work. Now we are keeping the ethlend so that enforcement is not necessary due to the collateral. However, once secured loans are in place, we definitely should consider how to enforce the defaulted debt.