I think there are quite a few more that did not accept a "refund" from cygan, right? I know I didn't (wasn't crazy much, though).
A way to approach the how-to-manage-funds question would be to have maybe one person or a team of 2 or 3 trusted collectible memebers that take the task upon them to collect all data on anyone affected by sweeps, missing cards, missing funding and loans.
We then can compare that total to the funds that were collected during the charity auctions. Let's say we get a 1:5, meaning for every Satoshi that's "missing" we have 0.2 Satoshi to distribute to anyone affected.
All this should/could have a deadline (maybe within 3 months or so) - anyone that doesn't come forward with proveable losses from the Coldscam will not receive compensation from the charity funds.
Sure, we can prioritize either people who loaned money or people that haven't accepted cygans offer, or cygan himself - but most fair to me seems to take EVERYONE into account equally and just payout a share like suggested above.
Just my few sats. It's late after a long day and maybe I missed some important points.
So feel free to discuss.
That may work, but cygan already refunded people at 100% of their loss.
How would that factor into the losses/repayments?
If it did come to a 1:5 ratio, would they have to pay back 80%?
Good question and first impulse is: They can't be factored in at all. Good for them, I mean it was everyone's choice to take up cygan's offer or not.
Them paying back 80% (or whichever number it is) is of course not a feasible option.
Generally I believe there are only non-optimal options, meaning someone will always feel disadvantaged or believe the funds should be distributed here or there first or with other proportions. That's why I think there shouldn't be any priority.
That said I think lost premiums cannot (and should not) be included in the losses calculation. They change all the time and cannot really be determined, also I would book it under regular collector risks to lose out on (most) of a premium value.