Clan Resource Reserve

So my idea is to have a common reserve of resources, that increases with about 0.5% interest per attack a person makes, for example: Mr.A donates 300 gold to the reserve, he attacks and wins 10 times, he will now have 315 gold in his share, now collectively we can pool all of the resources, but ultimately if you need some money from the reserve you need to ask the leader or co-leader, on their consent you can take, but you must fill the debt afterwards.......
Or something like that, if you guys can refine this idea it would be fantabulous, thanks for your time and please try to acknowledge my idea

(IGN: Myron The Great)