[determinant]

The core idea behind your concept is basically breaking risk-management apart. However, a good team should be on the same page with regard to risk management. So, wouldn't the player-end-refinment of sorts on this game just be teams who more or less have a uniform, systematic view of assessing risk?

I think you have an interesting idea, though.

Maybe it would be better for poker teams to transfer chips to each other in between hands as a two-player mechanic instead. If there is a tournament and both team members are seated at different tables, then the optimal strategy might be to allocate more chips to the table where both players think they have a larger edge. However, by moving chips to the other table, that becomes a signal to other players that would could cause them to shift gears.

I think there is something to your rough concept though, and it could be a lot of fun.