Funnily enough, just the other day, I was thinking about an app for a "family bank" where members of a family could exchange funds with each other for payment for chores, pocket money etc to help kids learn money. Maybe for later exchange for cash, crypto, rewards or whatever.
When I was messing around with Solana and liquidity pools I was able to envision a similar future where everyone has a token backed by themselves and you provide it with liquidity and are able to provide liquidity pairs with your friends and family. This would create an exchange rate with all your friends and family and allow you to each provide the other with liquidity for down times or regular spending. Then you could see on chain how much liquidity was backing someone, instead of relying on credit scores. Would be cool to see how people managed their token’s value and decided who they chose to create liquidity pairs with.
Might be interesting if you could integrate medical insurance and other things into that too.