airline
It is a small risk, but a share can cost as little as 2,500, usually with an established fund (certainly something that should be checked) and a reconditioned engine between 10 people should not be 2,500 extra!
The risk is very low. In 1000 hours, of which some 130 or so has been on twins, I have never had an engine failure on the ground or in the air. The only company I worked for that had an unexpected engine change it was at 0.8 hours, so was covered under warranty! The only group I have known of to have such an issue was a Yak, and big engines can be sensiive, especially used in anything but smooth operations.