I have no doubt you will be one of the top dice sites that is where the fear comes from no doubt

The issue of not proving bankroll is still quite real. If someone gambles at max bet multiple times, then wins, and you don't have enough money to pay the big win, how will you pay it? It is expected you will pay it from the bankroll. But if the bankroll is not enough you are basically bankrupt. Being insolvent doesn't mean you can't pay out now, it means you can't pay out in the future. This is why the solvency question came up by many members of the community. In many countries, a company can become insolvent if its future liabilities might not be met, and this calculation does not include asset values which cannot easily be liquidated. This is why receivers come into companies before they become completely bankrupt or dissolved. Unlike the regulated world, if you don't have enough to pay, you just run off and become hard to track down. So still, without proving you can support paying a big payout, you are still providing concern for the players who really bet big.