Well its an amazing crap, don't get me wrong sometimes craps are amazing too.. This will lead to more SPAM, more stealing more crisis, who is trusted and who is not trusted?

  Spammers and hackers will just easily intercept  people email and them cash the funds from senders account, Game over scammers win.
 
You send emails with money on them is not an idea, your talking about gambling without profit with your money, staff members that has left an       
   organisation long time already can actually cash out the fund if their email is still in existence.

Everything will be wrong with this unless you actually come up with a better plan about it.

I like ideas and i love them when they are developed, and i honestly tell you what i think and believe if you do more research and some more thinking you might get a better idea and a solution on how to make this idea better..