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RE: The ETH harkfork, Poloniex ETC (Ethereum Classic) token and what I'm missing.
Actually the lender didn't lend ETH, he lent ETC (ETH before the fork) I'm not sure "fair" is an exact description. Under Poloniex logic you could even argue that it make sense to give the lenders only ETC as ETH is actually a new branch in the blockchain.