I initially thought only get out what you put in, but thinking this is a way for people to grow their collection. Say we have a reefer, than never experiences a crash, EVER. What's in it for them? Sure, they have the bank if needed, but why not let their ability to contribute, allow then to grow their collection?
I not opposed to either idea... just want to keep options on the table. Once we have all the ideas out there, we'll need to make some decisions on how to proceed.