What do you think of setting up a new type of order using XCP that essentially lets anyone do a "kickstarter" style threshold-or-everyone-is-refunded asset sale order?
...and it would only be possible with an XCP based instrument, so bitcoin would be out and XCP is suddenly the crowdfunding token because it can be escrowed
... and XCP is the crowdfunding/cryptofinance platform built on top.
I like the general idea but it doesn't solve the problem of having to convert to XCP first. If you had to do BTC -> XCP -> SWARM you've increased difficulty rather than decreased it (although for repeat participants it could be a very significant net benefit). Very much like the idea of programmable escrow regardless.