The Jack in the Box analogy should be instead:
Jack in the Box opens up in 2002. Then, in 2007 (or whenever the old iBill stopped paying), everyone who still happened to be eating Jack in the Box got extremely sick and/or died of e-coli poisoning.
There, how's that? Would anyone eat at a relaunched Jack in the Box if that were the case?
Or Firestone - how about if at the point blowouts started to happen, it wasn't just a random smattering of their tires but ALL of their tires that blew out, causing hundreds of thousands if not millions of accidents, deaths, etc.?
Enron, Titanic, etc. are good analogies too.
Oh yea, and new iBill, your "plan" is not paying anyone back. If someone has to actually make you money in order to get paid back, that's incentive. That's no different than a program giving increased payout for a period of time and is fucking ridiculous to be labeled as paying them back if you ask me. You're probably trying to hook people in again to fuck them. The sad thing is I feel like this is stating the OBVIOUS but you'll probably still end up hooking people in and fucking them.