The point of Bitcoin was never to eliminate banks, it's to make money printing to fund oligarchy and fractional reserve lending impossible.
Perhaps weakly composed, I retry: The basic idea is to have an educational 'achievement' token? market which needs to be -exclusively-unpoisoned- by government and bankster meddling.
I think that can all be done in OP_RETURN for pennies. One of the regulars at the Tokyo BCH meetup is doing land registry on-chain. The future is OP_RETURN or it didn't happen imo.
Almost exactly, but without BCH ticker value. The chain would reference something like IPFS for document stores or -? I am still thinking this through ! OP_RETURN puts legs on BCH !