following on from the previous post, i just want to make one point clear:
your investment is 100% exposed to BST as soon as you send it to me, regardless of where the outputs of your actual transaction get spent.
Correct me if I am wrong, but you are operating no different than traditional brick and moarter banks. They don't just keep deposits in their vault to swim around in, they invest it. Then as people make new deposits they use that to pay others withdrawals.
I think some people get stuck on the idea of 'my' coins rather than the amount of coin.