This is almost perfect except for not including a warning: "Warning, if people stop depositing money, you won't get 120% back, and you could lose all your mone

This is almost perfect except for not including a warning: "Warning, if people stop depositing money, you won't get 120% back, and you could lose all your money." Also, it seems like the person running the site is not taking a cut. If that's right, he's not making a profit, and he's less likely to get in trouble when things collapse.