Surely a lot of these problems would be solved by having a 'backing ceiling' - once this amount is reached, that's it, no more pledges accepted. It seems to me this would stimulate funding (so people feel they won't 'miss out') and also avoid the problem where suddenly someone has way more money than they wanted, and hence has to address production (of physical objects) in a completely different manner. Sometimes too much money (and hence responsibility) can be a curse.