better than pyramid scheme

If I can get hold of the people's money, say $100k per person and guarantee them a small return, maybe 2% better than the bank rate, and they have no right to ask them back, wow, won't that be nice? Then I can use it to invest in anything I want. If I make money, I will reward myself with big fat bonuses, and pat myself on the back and tell everyone how clever I am. If I lose money, I will just call it a bad business decision beyond my control. I still collect my management fee, and even give myself a big raise. And If I cannot afford to pay the dividends, I will only rewrite the terms and extend the payout later, or make them contribute more. This provision will make chit funds and pyramid schemes so amaturish. And also, I will make sure that nobody knows the account. It is only for me to know. Won't that be nice?