[HCoop-Discuss] [docelic,ntk] Balances policy

[Adam Chlipala]

OK, let's try this again, and hopefully come to a conclusion that we act 
on this time. :-)

We want to change our handling of member balances to avoid letting 
members slip into delinquency.  After discussion on this list 
previously, it sounds like the board might approve this plan:

- Every member is required to have a deposit with us equal to estimated 
three months' dues at the lowest pledge level.  At current pledge 
levels, this is approximately $15, and it should go down automatically 
when expenses stay the same but membership grows.
- When any member's balance (now not counting the deposit) goes 
negative, we start trying to get his attention by disabling some subset 
of his services yet to be determined.
- This shouldn't come us a surprise to any good HCoop citizen, because 
every member will receive low balance e-mails for two months prior to 
when we would freeze an account, along with the negative balance e-mails 
that would come in the three months afterward before the board could 
vote him out for non-payment.
- When a member with a pledge amount set above one would be charged an 
amount that would make his balance negative, we reset that member's 
pledge to 1 before continuing.
- An hcoop-announce message will proceed changing of anything visible to 
members.
- We give a one-month grace period following the announcement for 
members to digest the changes and get their balances positive enough.

I vote for this scheme.  docelic and ntk, your decisions?