You don't need to if you make sure the owner will never be in debt or in lose, so if you promise a percentage of what you earn for each group and 1 percent or something like that goes to you. Then the owner will never be in a lose and will never have to scam others (debt swap, account suspension, etc)
Take example of advertzer free users cant earn and even after a little $1 investment you get daily 1 cent worth of ads but now the site is performing debt swap.... 
Is the admin paying his college loan who can say.....