I hope the Gods of the truly benevolent USAA organization dont strike me down, but I would do the same.

Speaking of which I contacted USAA again and spoke to a manager class person about Kiva yesterday regarding this very thing. He said he would investigate Kiva for himself. Lets hope things pan out. Maybe USAA could work something out with Kiva.
On a side note: if Kiva does something like this I hope they do not get involved with MBNA in any way shape or forum. It has to be the most predatory financial institution I know about in the country and would tarnish Kiva in my opinion.