yes great idea. i was thinking about something similar. it should be possible somehow to come up with a technology that ensures that everybody has just one wallet or bank account or whatever.

in another thread i proposed the idea of an upper limit on how much a single person can own. people will shout at you for mentioning something like that but it would indeed be fair. There is no sense in one person owning 50 billion USD (Bill Gates).

Also there should be demurrage so that hoarding does not pay off. interest just guarantees that the gap between rich and poor gets bigger and bigger. quite stupid.