Again, you are being illogical. Me sending you money doesn't build trust in YOU, it builds trust in me.
So, again, I'd like to invest with you. But sending you the money doesn't make much sense since I'm 100% guaranteed to get it back, right? See that's the fallacy in your plan. You are offering something for nothing, but are still asking people to risk something (by assuming you will send them their money back).
I think the illogical one here is you. The insurance funds are for insurance coverage ONLY. Not for reinvestment. I use your investment to make a return. Your return which will be 0.15% of your initial investment, or in other words 0.15btc return, is a cut from my return. That's the end of the deal as far as me and my investor are concerned. As for what I do with my portion of the return, I split it up.. some goes back into the insurance pot, the rest into my savings.
Yes, it builds your trust but also my trust at the same time seeing how I'm able to give you back the yields. Win-win, no?