Oh good lord, it's not like insurance companies. But your TOC, so I'm not even going to try to argue with you. If you want to believe that, go right ahead.
As far as the perfect model, I have plenty of better models than the "let's all just split the tip jar" one. The two practical options are equal-share or contribution-based share. I recognize bankruptcy of one member hurts all members, so I understand why you need a net. but I still think a contribution-based share establishes the right incentive structure to invest in putting out a quality product.
That's JMHO, partially informed by personal experiences and 300 years of theory and practice of capitalism.