No employee should be able to have the opportunity to steal 3.2M, especially if that's money that has been extorted under threat of imprisonment from honest wor

No employee should be able to have the opportunity to steal 3.2M, especially if that's money that has been extorted under threat of imprisonment from honest working people. Sure, people may want to voluntarily pool money for some reason or another; I would recommend smart contracts to manage this in a safe way, but there may be a point where trust is required. Offering a service based on trust means having a reputation-based system (third party reviews, third party audits, third party certifications) of competing people offering the service. The reputation could be based on a pseudonym but an address is be needed for a potential court case. There are plenty of services where this is not relevant though.