Would you like to have a personal currency? Is it interesting?
It has no sense at all.. How can it become valuable if it will be only yours? Where could you use it?
If you'll create your own ICO then you can produce your coin, find investors, attract people and grow it step by step.
All the other dreams or ideas are senseless..
Each person can have their own currency. And pay this currency. Each country has its own currency and there are no problems with mutual settlements.