Protip guys, don't start a business like this without first hiring a lawyer who specializes in finance & securities law, period.
In other words, don't start a business like this without first being a millionaire, or having one to back you up. (it won't stop on "hiring a lawyer")
This is pretty much true. People wrongly perceive the barriers to entry into the Bitcoin financial services market as being low - they pretty much believe that all they need to be successful is an idea and a website. Those who enter the market believing that are likely to fail quite spectacularly.