I think your observations are astute. We are certainly an exploratory project. We want to see what is possible and are completely open to possibility and change.
1.) Principles of investigation and wisdom — I agree. We are moving away from an open market (which may be driven by speculation) and towards an internal market (a “moral economy”) governed by a smart contract and voted on by a decentralized autonomous organization. Further insulating the sphere of wealth lets it reflect Buddhist values more closely. Such a system may also be more “free” than a free market in that it is much more transparent and with fewer power distortions.
2.) Accumulation — Yes, it is one of our foremost challenges. When I am walking around with dollars in my pocket I personally do not feel good about their implications, especially in the inequality they represent. This conflicts with one of the three pieces of training in Buddhism — ethical living. I would like the psychological insulation of KRM to purify this in a sense. That, if someone holds KRM in their wallet they know it is good because it reflects the values they believe and facilitates their moral training rather than detracts from it.
Happy to read, and hear your thoughts/opinions. Thanks!