Some excellent ideas here @dobartim. Thank you for your work.
What is needed is good organisation to put these ideas in place. I think The Matrix-8 Platform will be perfect for moving these ideas into action with concentrated accords.
The referral commission for mass adoption is what ecoin and Initiative Q are effectively doing.
I wrote about this today. Please take a look:
https://steempeak.com/hive-114105/@atma.love/crypto-mass-adoption-and-a-peaceful-and-abundant-world
Namaste
Atma
We win together