I keep hearing the argument about being a non-profit. It really means little in terms of accountability or credibility. Even in a for-profit public company shar

I keep hearing the argument about being a non-profit. It really means little in terms of accountability or credibility. Even in a for-profit public company shareholders have some amount of say on who gets elected to the board. But this board is entirely self-selected; which seems contrary to the inherently democratic if not flat idea behind crypto currencies. And we are talking about a full fledged monetary system here with legal repercussions in terms of international law. With Bitcoin, no one was technically "responsible" for what folks did with Bitcoin. Will the Stellar organization be responsible for oversight and arbitration for any legal or financial fraud? And will the board BE held accountable or responsible for any systemic issues rising from speculation or any other activity?