Super creative idea I love it. With everyone making their own decisions involving money as opposed to a small group of powerful banks with strong self interests, it seems we have a decentralized network where fairness and meritocracy seems to reign supreme. In this hypothetical money network system I see a potential issue though, which could easily be ironed out in the charter (which would be baked into the blockchain infrastructure of course, set in stone). We can be certain that our blockchain using this protocol will store, process, and do whatever else it has been told to do by the creators of the new Fair Money Economy set in motion. Us humans on the other hand don’t always do what we’re told. A lot of the time we can’t even do what we told ourselves we would do. I see inevitable collusion and fraud because eventually someone is going to have a bad day and feel justified in messing shit up. Now I really REALLY like this idea which is why I’m digging into it so hard. I just think at this current moment in history it would require too much trust in our fellow man. I know you weren’t proposing “let’s problem solve this bitch and get a system going by 2020.” But it’s a great thought experiment I’m really glad I stumbled upon this post. Thanks for the brain-yoga : )