I don't see that as a problem. The vast majority of users will not have been backers. For example, this forum has over 540 members, but the KS only got 220 backers. That tells me that many people are interested, want the place to happen, but just won't pony up any money in advance....but would buy inside the game. Returning the money to backers is basically what would happen if Mad Munki went to bank for a loan anyway. But if it is a concern....maybe not a 100% return on investment, but some other system......something....50%?