For bad actors, an extra careful review is still going to result in account termination. So, for them, the bonds buy virtually no protection, but it does tie up

For bad actors, an extra careful review is still going to result in account termination. So, for them, the bonds buy virtually no protection, but it does tie up real money. How many bad actors are going to prefer to loan Google $100 per active account rather than $0 per active account?