So, if I read this right, they want privacy-focused tech hipsters to vie for $20M a year to create open source fintech startups that will beat global banks and

So, if I read this right, they want privacy-focused tech hipsters to vie for $20M a year to create open source fintech startups that will beat global banks and payment companies on transfer fees while simultaneously improving all social classes' access to the internet. Here's my solution: chargebacks. You surf a site, and see a preview of some content. To get the full content, you click "buy", and the site communicates with your own preferred online payment processor (OPP) to confirm a payment. The OPP checks your balance and replies if you have the balance requested, and the site then serves up your content. At the end of the month the OPP settles up with each site for what's owed. If you want to get fancy you can implement a whole rules engine so each site can set up subscriptions for users so users can limit how much each site can charge them. You support multiple subscription models so users can pay by a monthly contract or per-click. If everyone keeps their money in the OPPs (ala Paypal) the OPPs end up making tons of money by investing the balance that hasn't been transferred out yet. Once this is implemented, Apple, Google, Amazon and Microsoft will become the default OPP, because they still control all the platforms. Hooray open standards.