[jariel]

Without effective retail finance, which is not possible without other things in place first, which are not possible without a baseline of functioning governance, there really is no 'organized' solution that's going to work.

You can't have well run banks without commercial law, you can't have commercial law without great schools, law schools, good legislators, a judiciary, acting in good faith and 'not corrupt'.

Without a systematic, organized solution, it might be worth teaching people skills and abilities that serve to create value without the overhead - for example, carpentry, masonry etc..

My grandfather and family built their own home, their own cottage, installed all of the plumbing themselves and this is in a 'modern nation' less than 100 years ago, and it was not uncommon.

However - they were highly skilled craftspeople, with knowledge and abilities passed down from generation to generation, information that made it 'across the Atlantic' from Europe into the new world without state organs, schools etc. to do so.

We have a hard time today grasping that, we kind of expect 'the government' to make the right trade schools, colleges and universities available for 'where all the knowledge is' but it was never really that way.

Without extra currency floating around to facilitate loans etc, then it's the labour of communities i.e. family, friends children. Amish and Mennonite communities are strong examples of this kind of behaviour, not that they are necessarily the perfect example, but you can see it in action.

There's so much focus on 'top down governance' approaches in these areas because it's the issue that our own governments can speak to in terms of money, grants, investment, and actors on the other side can sign agreements talk about plans etc..

But in reality it's probably worth sometimes looking at such systems as not very governed at all, and developing things that work very well on the local level.