OK then: Outcome 1: "they use collection agents to collect YOUR money. Robinhood will recoup the 100k$" Only if the loser has $100k. Which they probably don'

OK then: Outcome 1: "they use collection agents to collect YOUR money. Robinhood will recoup the 100k$" Only if the loser has $100k. Which they probably don't. Also, this ignores collection costs against people who do. Outcome 2: You have a lawsuit from someone dealing with the TOS. You also forgot Outcome 3: The SEC comes calling and fines you far more than $100,000 for allowing margin to unqualified investors.