I thought when people distributed beer tokens, it wasn't coming out of their own bank, but rather, a way to distribute them from the general fund, so to speak, and that's why someone was able to abuse it (there was a post about that several days ago, so they turned off the distribution until they could fix it to prevent further abuse). I had just gotten my first two tokens when I read that, so I'm not super clear on how it all works, though, and could be wrong!