They also invest much less. I'm not sure why you would need a safeguard for investing $429. Clearly you can miss the money since the starter clearly states you

They also invest much less. I'm not sure why you would need a safeguard for investing $429. Clearly you can miss the money since the starter clearly states you won't get the project until its done, and that's a minimum of 6 months away. If the project never gets done and no one receives their reward, what's the harm done?