This plan relies on the SwiftCash community. A collection of people who decide to join it not the seriousness of the individual writing the plan. It relies on a maximum of 5 million users by 2025, each with a minimum of 100 SWIFT not willing to sell below $1. That's only 0.06% of the world's population over the course of 4 years. 100 SWIFT currently costs less than 20 cents. It's unlikely that someone who buys and holds the minimum would push for adoption esp. if they get the minimum freely via a tip from someone else. But they still play a part in the bigger picture if they hold and refuse to sell below $1.