Insurance = When they scam, give back at least some thing to the victim/s. I believe in something is better than nothing.

KWWH is not going to keep the money in it's pocket forever. Host wants to leave KWWH, then they have to ask staff for the money, they verify through a thread that no one has any problem and money given back. Solved

Even then, in maximum world market, a trader's fee is always taken as for using the market as the media for trading. But I hope KWWH wont take it but will keep it and then give it back with time.

Still I'll put a Leave it like it is option.