Hmm, yes, let's all work together to fight climate change, but uh... not peer-to-peer, having a middleman is always more efficient, even with a global decentralized ubiquitous network of personally controlled, energy efficient devices, best to continue to delegate to a bank that's delegating to a bank.

Oh, and yes, you can be the middleman -- you seem trustworthy, I nominate you for de novo utopia money dude, enjoy your new, absolute power.