Before revision:  That fully-insured version insulates the venture-bank from losses in most situations, and multiplies profitability quite dramatically . There are risks to this method. It also gives up quite a bit of the company. However, this system could take roughly 70 billion dollars and create at least 3 trillion dollars out of it, leaving approximately 280 billion dollars of headroom. This is attainable with the pooled resources of a relative few wealthy individuals .
After revision:  That fully-insured version insulates the venture-bank from losses in most situations, and multiplies profitability quite dramatically in all scenarios. Returns above 10 are attainable. I show that both where the DIN is a minor fraction of investment, and where the DIN insures 100\% of invested funds for the duration, that the DIN underwriting business is either quite profitable or there are small losses in the worst cases .