Ton Tin is a famous and traditional way of saving group not only in Cambodia. But how to secure it is a serious matter since, according to the news, the treasurer always run away with lots of money. Personally, one way to secure the transaction is that all members should agree to open a joint account and deposit money in the banks. It should be a current account which they can flexibly widraw the money. At least, three members have to sign so that money can be widrawn. But now m thinking of the negative results of doing that? Can anyone give comments?