A couple changes to the program: Kids accounts need to maintain 100 DNotes or more to be listed on the richlist, and the richlist will be limited to the top 100 for now.
There will be a lot of children that are well taken care of with their DNotes savings.
I like the added bonus of the CR.I.S.P. for Kids bringing so much attention to the CR.I.S.P. for Retirement. When someone finds out about any one of the CR.I.S.P. programs, it will be beneficial to all of the programs.
Perhaps the key to developing the retirement fund, with all it's legal hurdles, would be a multi-step approach. It's conceivable that if the fund were started as a simple savings fund to augment retirement rather than the full blown "crypto-pension" offering, it could be introduced and built slowly over time. This would allow for the introduction of a CR.I.S.P. geared toward retirement without needing to meet all the current regulations for a full blown retirement savings plan. This would also get people thinking about how to use crypto in more innovative ways and pave the road for the full product later on making DNotes the first to offer such a thing.
Call it a "Retirement CR.I.S.P." "Digital Retirement Savings Plan" or some such thing and at least get it out there without all the bells, whistles and legal hurdles, then slowly, as time and regulation permit, transform it into a real retirement offering.