What about the following scenario:<p>They buy this chartered bank.<p>They make a mechanism for certain types of users to create accounts -- lets say only those with a valid HN account with a karma and age of over X + Y<p>I create the account and get the account and routing number<p>I then use this to direct deposit some portion of my pay into this account.<p>I have no access to the account aside through their meta app.<p>I give full autonomy to their bank and app to the funds in that account -- and I only get reports on usage and spend through the app - and I gate keep all transactions with a yay&#x2F;nay -- but I never have access to the account itself in the chartered bank.<p>Instead, I just must commit to depositing say $1K per month in the account.<p>In the app - I can then only sign up for transaction types or vendors that fit within that particular deposit level.<p>They don&#x27;t raise money for the bank at all.<p>They raise money for the app only.<p>(needs tweaking -- but the seed of what I mean is there)