I'm not so sure that the author currently has 10k in bonds. The pseudo-code for the purchasing backend might just look like
totalReceived = totalReceived + transactionAmount
if (totalReceived > 10000) {
sendEmail()
wait10weeks()
refund(transactionAmount)
totalReceived = totalReceived - transactionAmount
} else {
buybonds(transactionAmount)
}
In which case, the author would have 20k locked up in the government and only $25 invested.
A horrible way to write a system of course but if the system takes 10 weeks to process a refund then it doesn't sound like the system is that great to begin with