I am concerned about malicious users taking advantage of it. I don't know if people would want to change their beneficiaries for it; I don't. I wonder if something like HSBI is a better option. But instead of upvoting posts, this comment HSBI [CHSBI?] will upvote the user's upvotes [similar to dust sweeper/bunny] on comments. It won't be a subscription service like the beneficiary, and once they bought one share, it can continue to increase over time like HSBI. I don't know how feasible it is though.