Do consider that even though your "deposit" turns into peds on your card, it counts as sales for MA, and goes directly to their pockets. The actual money is not put aside into a special "all the ped in the game" bank account, waiting for it to be claimed. Ped is not a real currency. It is not backed by anything of real value.
Also bear in mind, that MA only guarantees your last six months worth of deposits prior to any "incidents". So if you deposit 10k ped, six months goes by with no deposits, and something happens, they are not liable to you for any amount of money.
It's these two reasons that I will not make any "investments" into this game. If they ever change this rule and rework their business model the way it should be (which is the way most players have been led to believe...) I will give it further consideration. It is EXTREMELY high risk, and it's not like putting your money into a bank. It's buying play money from a company and you have the opportunity to request a refund. If you play the game well, the refund can be bigger than the original play money they sold you.
But your money is not protected AT ALL. Don't put anything in that you can't afford to lose, because as far as investments go, I haven't seen much from this game to suggest its a safe one...