Chris - you're still not facing the basic problem, which is that there are approximately two types of people in the world:

1. Those who are happy sharing
   
2. Those who want everything for themselves

No scheme is going to work unless it deals with this basic social reality.

The current financial system would be perfectly workable if it only had Type 1 people in it.

Conversely any political or social system can be, and will be, hijacked by Type 2s unless it has explicit built-in resilience against them.

No amount of financial or legal engineering will solve our problems unless it deals with this fact explicitly.