BUILDING THE SOLUTION
STEP 1 - THE PEOPLE BUILD THE BANK
#BuildOurBank - 1000 ordinary people in EACH state (50,000 total) use their personal computer to run the banking software, which stores and verifies the bank's records. This ensures all regions have fast online access to their bank account.
STEP 2 - THE PEOPLE FUND THE BANK
Create an open source mobile app for P2P payments (like CashApp, Venmo, Zelle, and Paypal). The app will allow you to cash in and cash out of CashApp, Venmo, Zelle, and Paypal. Additionally you can "mark" money to track spending for various causes (cancer research, political campaigns, social awareness, etc). This will allow you to know how money is spent by or in the name of a particular cause.
STEP 3 - THE PEOPLE SUSTAIN THE BANK
Redistribute specially marked dollars (Shared Dollars) - when a large amount of Shared Dollars is owned by very few people, the bank software will automatically reset everyone's Shared Dollar accounts to have the same exact balance, REDISTRIBUTION. Shared Dollars can be purchased or sold at market value, and be redeemed anytime 1-to-1 for regular dollars with absolutely no cost.