A lot of excellent ideas are viewed as "crazy" when first proposed.  That is probably a bigger reason you aren't going to get a qrq scheme from an online discussion:  Either they are burned out on trying to convince people casually or you won't recognize it as brilliant.  And that comes back to my earlier remark:  An idea isn't worth that much.  Execution is what brings in the money.<p>That still won't prevent some folks from wanting to discuss it just because that's the kind of thing that floats their boat.  Maybe you aren't that type.  Some people aren't.  But some people just like talking about stuff. &#60;shrug&#62;