Can a Business lose money by holding the $50 worth of Erth  Points or the initial $50.00 that was credited to their account for marketing upon joining?
Yes and no. The $50 worth of Erth  Points that is held by the Business for cash sales will fluctuate in value. Therefore they could make or lose money with them. With the $50 credit that they have for marketing, the Business will not lose with this as the Erth  Points are allocated at the time of transaction at market value and only the number of Erth  Points issued will vary.