Monetha is a good idea, but the current strategy will not make it go mainstream. I can't imagine a single scenario where I would use the app. And why would I buy the tokens when I can pay with several other currencies, even cryptos. Monetha needs a marketplace of its own to get anywhere. And the money on that site could then be tokens. So people would load their accounts with fiat (Cc, Paypal etc) and that would then be converted to MTH which would be used in the trust / reputation system. Add bidding to the mix and you have Ebay with a massive amount of trust and almost guaranteed payments for sellers as Monetha handles the money. This is similar to AliExpress escrow system.