This literally makes no sense. If I have $1,000 why would I deposit it in order to borrow $500 at 30% interest? Why would I allow my $1,000 to be paid to other savers as dividends? You need to write a more clear explanation. In addition, what protections do I have that my $1,000 will be there when I want to withdraw it? My bank deposit is federally guaranteed, what guarantee does Anchor offer? Paying dividends to old members from the deposits of new members is the definition of a Ponzi scheme...how is this different?