...and a "visitation clause" since the whole gig is investment orientated which, would allow you the privilege to show the chip and spell out if there were any beneficiaries in case you die before the person who was holding the chip.

I've written a ton of sales in the past 30 years and, even attempting to write what you describe could be never-ending and virtually impossible without at least a third party (bank; law firm). Too much for my brain to figure out though, you still have that one option that virtually nobody turns away and that is by making offers nobody would refuse...