Paul Voight explains the difference between our money and the
insurance investor's money

http://airthug.com/why-rrg-will-succeed-where-past-insurance-failed/

The full story is found at the link above. Here are some bits:

In the case of our insurance, claims and law suits can take time-
often many years- to litigate. To an investor or their “broker”, litigating is
equivalent to not having a read on how the investment is doing. In order to keep
their investor’s balance sheets tidy, the broker (our insurance company) has
been very keen to settle just about everything that has come up. Taking a case
all the way to trial is costly and time consuming, and there’s always that
chance- no matter how small- of losing in court. Settling is quick and
definitive.

A Risk Retention Group is not the same as an insurance company. Money grubbing
vulture lawyers know this. Filing a suit against USHPA (or a USHPA insured
pilot, land owner, or instructor) is to go after OUR money. We- the people of
USHPA- have worked hard to earn that money, and have chosen to put it toward the
RRG because the future of free flight is very important to us. We will NOT be
handing this money out. You want what’s ours? Prepare to fight. No, prepare to
BATTLE. You come after us, we go to war.