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In reply to @visakanv

But I guess the naive response to this would be "form a cooperative" or "exchange something other than $" or "organize around a religion" or something along those lines. Why is the naive response wrong, in this case?

In reply to @andrewrose

I wouldn’t say it’s wrong per se, it’s just very, very difficult to do correctly, and the difficulty increases tremendously the faster/sooner you try to do it. So imo the wise approach is to do it slowly, ie find the right ppl to do a cooperative with over 10-20 years