But the problem is: there is a promise for the account holder to be able to withdraw any time (just a short security timespan to confirm the withdrawal, but no limitation on the amount). On the other hand, there is no way to make any users close their positions. Thus, when a user withdraws, he re-calls money which is bound into a position on the market, with unlimited duration. Assuming this situation, the platform is forced to turn into a "bucket shop", even if unclescrooge never wanted to do this: Assumed there are no further reserves, the platform is forced to close some positions internally to get the money for the withdrawal request, while keeping those positions opened nominally. So effectively the platform is forced to take a counter position to these internally closed positions, i.e. bet against the user.
Some stock brokers do have to recall the stock because then owner needs them and some ppl do have to close their short position (only if you short you are forced to give back the stock) this option is set and on the contract and when the user borrow the stock to short he does agree to this, another way that some broker deal with this is to put a max time for short positions, is also true that on stocks ppl dont take position overnight to often and over weekend even less, bitcoin users do tend to keep a position for long time and In my opinion swap cost can give the incentive to take profit if the position does not make more money
another option is to put a X days delay for the withdrawal, basically you lend the money for a fixed amount of time and no withdrawal can be done until the time expire on a similar way banking was done on the gold standard
imo on the long run bitcoins needs several clearing houses that can act like lender of last resort
i am drafting now a possible solution to the above problem