Might as well wait here on Hive as wait at any other place. At least here the potential is real. Comparing Hive to other tokens and blockchains. I guess that places more blame on Hive than anywhere else them. Then more on me for seeing things and not shining a light bright enough for other to see. Or a light that cannot be ignored. So we won't place blame anywhere.

A view from way down here on the finance ladder.

All units out there now that are considered to be a currency. All of them, Have one thing in common.
A bank.
Hive does not have a bank. But a bank a decentralised bank could be created here on Hive. It would not be that difficult. For the most part it would pay for itself after initial investment. Moving to provide for other services thereafter.

A bank is an institution that provides financial services to members of its organisation. Generally by means of loans. They also hold your funds securely (they say). They also put charges on your account because you have your money there. The same money they use to create loans. Based on deposit. No wonder they think think they are Gods. Well they are not. They are human like you and me. In most case ruthless in their ambitions.

It is a corrupt system, everyone knows it. No one does anything about it. The only reason I can think of for that. Is people can not see how it can happen to make it happen. That is because people tend to over think complicated things instead of breaking them down. I think I broke this thing down many times in many different ways.

I Have never been wrong when I was right.

Building a bank.

You must be able to provide a loan.

For us it would not be that easy. Not with the ease someone in the physical world would have to make a bank come about. That's just the right contacts. We want to step the game up a bit too.

Around 33 Million is the mark to meet to have all costs covered and expansion ongoing to various other start up and repeat of the same process. Support to the HBD stability by purchase or by purchase of HIVE when HBD is valued at its predetermined value.

The costs involved would be legal fee's the employment, (by contract) of caretakers for properties. Utility services refuse collection and such.

4.2 - 4.5 Million would be needed for a yearly increase of ability.

The property market as a place to begin has the security of a living value. Hive would need to purchase a house prior to providing a mortgage for anyone else. The property would be in the name of a designated account held in escrow until the loan was fulfilled.

During the purchase of the first property. Governance over the release of finance for any purpose would be established. Any conflicts within the system can be ironed out and the system improved upon. It would not take many transactions for something reasonable and secure can be found.

Initially property would be rented out. Should an applicant have a wish to purchase the house. They must be a resident for 5 years from that point. There would also be an increase in the rent paid as assurance they would be able to afford the mortgage later.

The property would gain at least 5 years of rental value plus any property value increase and then gain % for the loan it can provide, by already holding the deed to the property.
Different rates can be applied to this for different time scales. The tenant now buyer would also gain any additional rent paid over the period of 5 years. This would be used as the initial payment from the house valued cost.

One option for some of the property is for students. This is rent through the colder months and during the warmer can be used to offer Hive Holidays. Just a simple example of a multi use case. Each property could also house a node for the chain.

Property is used here as an example of a financial generator that can generate an interest in Hive that develops naturally. Incorporation of other daily uses at a local level reaffirm the value given to a Hive token. What is generated is returned back to the Hive. Members of the local community can decide by use of Dpoll or similar to decide on spending.

Note. The benefits to the local community should never be a bigger tv, an Iphone. If it should happen we help someone with a phone. It would be the cheapest decent one. The cheapest tariff too. Options of where the finance might be used locally. Upgrades to schools or community centres remaining open. The bringing about of new facilities to ensure play area's remain for the children. Going so far as to buy these lands and possibly develop activities on them. The activities brought about would be proposed by the community.

Indirectly the community provides the finance to better itself. Hive and the making of this group would merely be the banker for the group. The group would be made up of a governance team. Initially. So I do not have control over the finances. Entrusting that to one person has got to be seen to be a joke. The same for trusting a limited number.

Getting involvement on a local level will not be as hard as online with the right backing.

Get others involved, how to.
This seems so logical to me. Remember "Green Shield Stamps", I know you do cause everyone does. if not google them. Well everyone liked those. They worked too. People still use the same system now today in many places. Called loyalty rewards.

I am going to use hive as a method to print the loyalty rewards.
Member of Tommys shop can make comments to earn rewards. These accounts will not be owned by the member but remain an account owned by Tommys shop account. The HP generated will remain in the accounts while the Liquid that comes in they have choice to do with as please. Exchange it, use for shop items, save for interest.

A few local accounts have already been made. These people are still member of the community that make use of the shop. Providing a freebie of a 6 pack of potato chips for being members of Tommys shop. Maybe potato chips and a 2 LTR of soda drink. This would be accounts that do not have the authority to remove HP. Assistance with the making of a private account will be given if requested and a personal account would also be recommended.

Comments on posts from the shop would get rewards.. These rewards from the Tommys shop club can then exchange the HBD for goods and avail of special offers, restricted to club members.

The main purpose behind this would be to introduce the theory of decentralised voting and ownership control over the local community through interactions online that result in positive interaction in the real world.