Investors are paying deposits that they will get back if leave wins.
Unlike banks, though, they do not have to pay deposit insurance or keep capital buffers to protect against defaults.
"The movement into deposits during a financial crisis is expensive for U.S. banks because they have to pay deposit insurance on these extra inflows," Mr. Abate wrote.
The poor in parts of Africa and India even pay deposit collectors a fee (ie, a negative interest rate) to mind their rainy-day cash.
If banks don't pay deposit rates, why deposit funds with banks when there are superior and more innovative services out there for performing financial services?," Sebag asked.
Not only that, but people are usually understanding about the need to pay deposit insurance premia (the ultimate burden of which may not fall on depositors anyway).
Purchasers had paid deposits of up to £1,500 for installations which never took place.
Virgin Galactic said 800 people had paid deposits for a ticket, including teen pop bad-boy Justin Bieber and the actor Ashton Kutcher.
The company said it had taken "all necessary steps" to protect customers who have paid deposits on sofas.
But he criticised the speed of the move, which could leave those who had already signed contracts or paid deposits for solar panels being "disappointed".
A reported 4,800 people, many ordinary customers who had paid deposits for pieces of furniture, were owed money by Broyhill's company, according to a list of creditors.
