Naturally another simple option would be to restart it after a certain time-out where it slows down indeed.
Let us know what you think, we sure can restart this. You are to choose.
I think you made it pretty clear that the scheme wouldn't shut down when it couldn't pay, but would wait for new deposits.
As a result, I don't think you can really shut it down any time soon without breaking your promises.
You have to give the bag-holders a chance to pass their bag on to new bag-holders.
