The README on github

"pay operating costs" is one place non-profits often find fraud. Getting the money into the market between donors and builders, now you have to pay professional investors. You don't get to 7-8% returns without equities, what happens if the market tanks?

Why not build something super minimal that requires less management and operating costs? That doesn't have the market risk at the center of it all? That doesn't have more points for fraud and abuse?