Can a Business lose money by holding the $50 worth of Erth ™ Points or the initial $50.00 that was credited to their account for marketing upon joining?

Yes and no. The $50 worth of Erth ™ Points that is held by the Business for cash sales will fluctuate in value. Therefore they could make or lose money with them. With the $50 credit that they have for marketing, the Business will not lose with this as the Erth ™ Points are allocated at the time of transaction at market value and only the number of Erth ™ Points issued will vary.