Yes we do insure circles, depending if you’re joining a private or public circles. For private circles (invitation based only circle that are usually between friends and family. We usually do not need to insure private circles, however in some case we can interfere to manage that everyone is treated righteously. Once a user is approved to join a public circle, we do insure that everyone in that circle pays on time. If someone stops paying at any given slot, we manage to chip in until we legally force and collect the cash from that defaulted user..