This is a super idea and is what is envisioned for the Ko'ox Tun System to work. I am indebted here to What really happened for bringing tyhis to my attention and to YouTune for the embed codes. Go to YouTube to have a look at the follow up videos and type in "Jak Banking." Why is it that the few act as predators on the many? In the old days - 1848 for example - Insurance Companies were formed with similar ideals. They spread the misfortune of the few over the good fortune of the many. They were hijacked by the Empirists who saw them as cash cows and today we see the fiasco of the Insurance Companies such as AIG using the ordinary people they were formed to help as a means of gaining obscene profits, to the detriment of the people.