See Chagora (dot) com and CulturalEngineer.blogspot (dot) com (why chagora, live debate function and other related posts) for the role of the Pooled-User-Determined Account and the microtransaction as essential in politics and a catalyst for enabling the practical micro (and other)transaction in charity and commercial areas. The political microtransaction is a fundamental of speech. I believe this could have made Tipjoy workable. Sorry I couldn't reach you. I tried.