In all this process of imposing collective sanctions, the costs and risks suffered by members prompt them to react very strongly against sanctions and refuse to allow group savings to be used as loan insurance. In parallel with this tendency to abandon social collateral, an introduction of individually-based collateral (such as financial and physical collateral) demonstrates a clear intention on the part of group members to transfer back to the MFO those costs and default risks that MFOs hoped to eliminate when working with joint-liability systems.