It would be nice if you or somebody could explain how it's supposed to work - without any salesmanship. As soon as I see statements like "privy to the deepest secrets of the financial world." I realize the story doesn't have enough information to stand on its own feet.

That article addresses none of the obvious concerns it raises. Like what if you didn't save enough elderly care dollars by the time you became old? Who decides what you're allowed to trade with each type of currency? It can't be a free decision or people would be spending their gym dollars on cigarettes. But if it's centrally decided then it all falls into the same inefficiencies and retarded development of communism.

So can you describe how it would work, or do you not understand what you're promoting?