It's quite hard to undersatnd what mobile4ever is suggesting. But from what I can tell, he/she is proposing that someone write the code for an exchange, and open source it. Then anyone can host that code on their servers, plug in to fiat gateways using their account #'s, and boom they have an exchange running.
I don't see how this is different from just the idea of open sourcing the code for an exchange. I wouldn't want just any random PHP developer writing the code for an exchange.
You need to find someone you trust who understands the code. "Just any random PHP developer" might do a great job, but in order to know that, you'd have to understand the code, or know and trust (completely) someone who understands it. I recommend learning enough to identify potential problems in code, but that's a long path, and only necessary for the independent self-assurance that someone like me craves.
Shit! That's it! Decades ago, I described myself as "cursed with a validity checker." I've since learned to appreciate it, and now I know where it comes from. I crave to know things without relying on information from others. My older brother probably fooled me "too much" or "enough" (depending on how you look at it). Thanks bro!
In any case, lots of people have suggestions that someone else write the code. I have a suggestion for them: Why not put up a bounty on it?