12...sorry to say but I have been but any system can be beat, and I have seen this occur with a similar set-up as you describe. Just because 2 people are not on the same team does not mean that they are not friends and collude, and also does not mean someone from the house cannot collude with one or both of them. I worked in a pro shop at a bowling alley that touted using the bowling alley as a way to keep the money, and not use a bank, etc. Bowling alley makes the deposit, nobody needs to risk running to the bank, safety of someone hiding stuff....well...at the end of the year, the assistant manager that had access to all of the bowling's accounts drained every account and took off. Authorities found him months later, but there was NO money at the banquet and no bonding for a reason I forget. Further, because the asst manager drained all the bank accounts, the alley owner didn't have any funds to "replace" the money that was stolen, but there was no agreement for him to replace any missing funds either even if he had the money.
I would still advise insurance or bonding of some type, regardless. If someone wants something bad enough, he/she will take it.
