I agree with you about an advance post where discussion could take place before the vote; I'd also like to see that ballots are set with a minimum 66% majority vote in support of the proposal.

I guess the benefit of pooling is that we are all getting wealthier through the compounding effects of every contribution. So although an account might miss out on "their" bit of cub, they are benefiting overall from the total contributions. There are people working on this voluntarily, for example, we all benefit from their contribution.