this post was submitted on 31 Jan 2024
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You literally just described a Credit Union.
Damn it. Every good Idea I get, someone already thought of it.
The sad fact is that it is actually a good idea that should be implemented more often but the banks have worked very hard (i.e. spent millions on propaganda and lawmaking) to sow distrust in credit unions.
Sure we're not thinking of a building society? https://en.m.wikipedia.org/wiki/Building_society
The difference is somewhat academic and not viable in America under that name since most Americans are fairly stupid and will think that a Building Society is a meeting group for architects.
Well let's go then!