Wonderful cause. I'd love to read about the tensions between your goal and the various business models that suggest themselves. You will succeed at your mission

Wonderful cause. I'd love to read about the tensions between your goal and the various business models that suggest themselves. You will succeed at your mission precisely to the extent that your users reduce their spending relative to their income. How will you create a mechanism that flows money to you and your users at the same time? Who pays (net) and why?