I agree, grab that 50 or 20 a month, and plop it into a savings account. When you reach 500 grab a CD, when you reach 1000 buy a bond. This way you are not worried about the person who is in charge of where all of those 50 dollar deposits sleep, running off with it. How would you feel after 2 years of $50 per month donations, you are one away from being picked, and blamo! bank guy is no where to be found.

I wondered as well about the random pickings. You said its random who gets picked each month. That means person A can get picked 2 or 3 times? or do they remove that persons name from the pile once they are picked?

I dunno, I am not trusting enough of letting others hold my money to play that game. I would worry , and worry, and worry. too much stress for me.