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Looks like Johan Halseth had the same idea (at the same time?) so maybe it's not super dumb.
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I think if this is possible and the incentives can be made strong enough you have a winning coin pool even if there's a theoretical thundering herd worst case. Bitcoin suffers from the theoretical risk of no one mining it yet that seems to be going pretty well.
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This seems to be a consistent problem with L2s that take activity off-chain via some kind of cooperative utxo yet design uncooperative exits such that they're only unilateral. They reduce N participants to 1 utxo but 1 utxo can turn to N utxos at any time.
Has anyone proposed a design with cooperative subsets exiting in a batch?
I don't know anything about anything, but it'd be cool if these pools were designed such that participants could fork out of them together.