There's no fractional reserve for Inputs. Inputs user balances will never be used to pay off CL debt. The only threat is if I am untrustworthy and decide to steal all the coins, which doesn't align up as CL balances have been steadily going down, people are withdrawing in panic due to the higher BTC price, BF / Btct.co closure, etc, and what do you see?

Security / hacks isn't a risk was Inputs uses cold wallets (duplicated & backed up).