As I can see now the whole model is an example that could possible be implemented and could possibly not. Excuse me, I thought it was a real model, not an example. Why? Maybe because there were no writings like 'This is an example', 'Do not take it serious' or 'our future financial model is not defined yet', 'this is just a concept', etc.
I've read your blog post carefully, examined all the details, tried to verify your numbers. I spent some time studying it. And now it turns out this is just an example and your real financial model may be absolutely different.
You can consider me as your first fooled potential investor.
The only thing we know for sure about the model is that there will be some insurance for exchanges and web wallets. Please correct me if I'm wrong.