Protection from scam or fraud pull fund

There are so many people trying to avoid to get caught up in HYIP scam, yet the passion for gamble and excitement prevail! I think this is the time when one of the website such HYIP.com or HYIPexplorer.com organize a pull where we all contribute a small deposit to have some kind of legal protection or special investigation unit that will either help to go after money when the fund disappear or have each new or existing fund some kind of insurance or a legal obligation against scamming. After all there is a real bank account behind every e-currency transaction.