You know, I share your desire for this one to go forward, but I have to admit, I don't think we're late on such a project. That is, if these two fellows are willing to try again, maybe even wait until the 12.1 budget system is ready, I still don't think it'll be too late.
Maybe I should offer to help them formulate a new proposal that has a more practical orientation and that might be more palatable to the community.
YES! That would be awesome. Maybe they can share with you their whole plan, and you can explain it and why it's important! I mean, I see why it's important, because ultimately, I can't see any loans really working, not with a deflationary currency as it becomes so hard to pay back. Also, if there isn't a good percentage of return for the lender, and a lot more risk, who would want to lend? Yet lending is how projects get started, and money is ultimately made. So, that's how I base the value of this proposal. I know there is so much more to it, but I'm of a simplistic mind when it comes to finances. So yah! That's a great idea!