Your current tokens have ZERO value. Tomorrow if BTC crashes by 50% and you have to pay out $498/customer, how will you get those USD? You say youwill give your coins, but the value of your tokens is ZILCH.
What you are trying to do is sorta binary options. But you don't seem to have faint idea of how they work.
He can still assure that thing that he can pay up since hes quiet confident that the price wont easily crash out back 50%. Come to think off that insurance do worth $2 which is really a dust amount but when people tends to get this insurance matter and accumulate then it would really be a big amount and come to think off that it do have a 1 year expiry then its quiet an easy money for them to accumulate and even myself wont really believe on such crash on price going back 50%.Its possible but on rare cases for sure but once it hits the threshold and paying up lots of costumers for sure it would be pain in the ass on giving out $500/each.