Very interesting. An idea that has long held interest (har) for me. I note from your comments the socially-laudable aim of attempting to help people in financi

Very interesting. An idea that has long held interest (har) for me. I note from your comments the socially-laudable aim of attempting to help people in financially vulnerable populations. I wonder if emulating more elements of a lottery-like game would assist with this... EG imagine if I could walk into a shop, buy what looks and feels like a lottery ticket, but I've actually effectively added money to my phone-number linked savings account. I think there would be real power there, but naturally real logistical complexity also.