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Unfortunately, a scheme like that would not have worked for what Bitfinex was doing. They had a requirement that the exchange be able to transfer out user funds and they know for sure that funds would be available at particular future points. (I'll add a note to the article.)

Unfortunately BitShares did a horrible job of marketing themselves in the early days. It felt like a pyramid scheme or MLM scam. They may yet recover though.

Yes but other than BTS , all the assets on BitShares have a counterparty risk , no?