This is a very interesting idea. Now, how does the system or the program addresses the problem of sustainability so that it will not be "here-today-gone-tomorrow" project so common in the world of online. When a program could not be able to sustain itself then at the end it can be leaving many people holding empty bags. When the system is relying on new people as the source of funds to pay the older members...I think you know what is that definition for. Good luck on this program and I am hoping that it can be able to help as many people as possible. Charity always begins at home and this forum can be our home online.