The OP has a solution which is looking for a problem.

In other words, he is full of crap.

You don't need a smart contract to accomplish this. Bitcoin is doing it already and it is the ultimate smart contract. It is decentralized, it can't be seized, it deflationary. Bitcoin is the ultimate decentralized world bank and you are participating whenever you use it. You just don't need anything else. Don't make this unnecessarily complicated.