that is a fine idea but, perhaps it has not sunk in mentally, what a large percentage of "business" operates by intercepting and controlling funds and access to

that is a fine idea but, perhaps it has not sunk in mentally, what a large percentage of "business" operates by intercepting and controlling funds and access to a system. In the positive way this provides legal guarantees within the business community, and brand development to fund marketing and such; in the negative it is just how it sounds, added costs, less efficient, gate-guarders and hoarders and slow-walkers all around. In that situation the progress dramatically slows down, and control is a battle. You are suggesting to "create from thin air" a new entity that will almost certainly do all the bad parts, and may or may not do the positive parts, and has control to gate-keep for whatever reasons.