Actually it wouldn’t be cash on deposit. It would be credit (positive credit instead of negative) that can be used for purchases but not cash withdrawls (since it is not cash). Think of it this way, if you overpay your credit card you have a positive balance. No different than the NBL bucks and ABA saver stamps except for it is digital and works on a 1 credit for $1 basis. Plus it would be accepted by everyone and give discounts to members.