Let's say a friend protects me while I mine. His insurance cost is 100,000 Cr and after 1 hour of work I want to pay him. I then transfer 30,000 Cr out of my pocket to lower his next rebuy to 70,000 Cr. The assets are not tangible therefore this can't be exploited. The Cr instantly come off my account and no matter which ship he switches to or how long until he dies, his rebuy remains 30,000 Cr cheaper. Now let's say we hit the painite motherload and I give him 1,000,000 Cr. The credits come out of my account and he now has 10 rebuys for the future. I think this is a safe way to handle credit transfers.