It's amazing you bring this up about the bank denying a loan for needed renovations. The reason benicents was created was exactly situations like yours. I'll be putting together a post soon to explain what we're all about and what we're trying to do. But in a nutshell imagine a place where you can fundraise for anything. Where upvotes contribute directly to your goal.

We created it because right after Christmas we paid off bills and found ourselves with a broken washer. There was a nice one on amazon but we couldn't afford it right away and the bank wasn't comfortable with a loan. Eventually we were able to replace it, but boy what a hassle!

This got me thinking... Why does every fundraise need a sob story attached? Why cant it just be about us helping eachother, doing a good turn. And what if there were a platform that could reward that exact same type of altruistic behavior?

Anyways, great article! I'm upvoting and resteeming!