Frequent miler had a post yesterday about putting many thousands per month into kiva and doing frequent withdrawals. In the comments, a very similarly worded caution to the OPs was posted. I read the warning of the OP and that of the commenter on FM as with concern about Kiva's own stability as an organization rather than regarding the risk on individual loans. In both posts, no specific cause for the concern was noted.
I agree that putting more money into any single organization or plan than one could afford to lose is a bad idea. That is just simple prudence and common sense.That said, I have to wonder if there is a reason for these warnings here and on Frequent Miler? Is there any cause for concern re the underlying organization at Kiva? I certainly am not aware of any, and both posters say they have not done due diligence and uncovered any.