So what you're saying is, if 10 people chip in for a 1" frag thats valued at $100, the grower would have to grow it until its a colony so its about 10x the size in about 2 years, at that point, the grower would frag it up so s/he would be back with a 1" frag all over again? And if that 1" frag dies on the grower, s/he owe everybody their money back.
Seems like an awful deal for the grower. It would be much better for the grower to just buy that $100 frag, grow it out, and sell each frag for $50 each (making a profit of $450, and reducing the costs for fellow members at the same time) The grower incurs no additional liability then he already would have had. Things like this happen already btw.