1. A private decentralized network of people who pay a monthly fee to be part of the network. That fee doesn't need to be big ( i am already paying 50$ monthly to Netflix, Amazon, Spotify, and co. ) and I try to buy bitcoin every month from my monthly savings. (I am a late bloomer about bitcoin, but that is a different story)
2. The complete monthly fees can be redeemed 24/7, meaning if you leave the network you get all your bitcoins back that you put in. Means, we use bitcoin as a reserve (bitcoin standard). The idea is that the network will at some time start to make more money than the amount that is put in every month.
3. The size of the group should be kept small for now.
You are literally talking about how mutual funds or UITFs work where investors pool their money in and a portfolio manager will take care of the rest. However I don't think this will work well in the type of industry we have. Mutual Funds/UITFs works well with investors since the markets they are usually in (stocks, money market) are not too volatile and the ones taking care of it (portfolio managers) aren't risking their money for a much more higher outcome. The portfolio managers really don't have any option when it comes to the crypto market since almost everyday they are susceptible to change and I don't think the traditional investors can stomach such change for a traditional type of investment.
Yeah, you can call everything mutual funds or UITFs, where people put the money in one pot. But my goal with my project is different, I am talking about an economy, where we have fluid capital instead of static capital. Blockchain and cryptocurrency can better manage risks, everything about the economy is risk management. You can make a ton of money with the only sell/buying bitcoin. The network can have many features because is programmable money, and with every feature risk management of capital can be done more efficiently. I am just saying you can do more stuff with group of people than alone. And it would be a challenge to see how fast can a group of people (network) become financial free with this type of a system.