Collective risk

1. A campaign has several contribution stages and one final settlement. Each person starts with a fixed budget and contributes up to the smaller of their balance and the stage cap.
2. All contributions in a stage resolve together. Reaching the target ends the campaign successfully; contributions are never refunded.
3. If the last stage misses the target, one shared disaster draw applies to everyone. A disaster removes all remaining balances; otherwise each person keeps their balance.
4. An exhausted balance creates no artificial zero choice. Total-only visibility keeps other contributions and earnings hidden even at the end. Abandonment does not trigger a disaster draw.

All $ amounts are virtual game dollars.