This particular design also only works in a high-trust, high-honesty culture. The complexities of most systems like this are only there to disincentivize bad ac

This particular design also only works in a high-trust, high-honesty culture. The complexities of most systems like this are only there to disincentivize bad actors from taking advantage of the system, and as we all know, managing incentives is a difficult problem. When most people do the right thing without being prompted, simple solutions are easy.