WOTC - Deposits for future services

I asked this question in the Wisdom of the Crowd:

Should businesses be allowed to collect deposits for future services?

Here are the responses: (40 Votes)

45 % - The deposit should be covered by insurance.
30 % - The deposit should be held by a third party financial institution, such as a bank.
23 % - It is okay for the business to hold a small sum as deposit, say up to $200.
3 % - Customers who wish to use the future services should pay a deposit.

See the pie chart at: 
http://www.wisdomofthecrowd.sg/chart.aspx?ID=1104