[...] Once in a risk pool, you'd have a much better shot at attracting investors than as individuals. Maybe then you could issue a bond to the newspaper in order to read it.

I wish I didn't have to use mortgages as a point of reference since as I'm writing this, the world is still suffering from financial troubles that radiated from stupidly securitized mortgages. Mortgages were a reliable, clean mechanism for many years. What happened in the early 21st century was exceptional, and caused by the poor use of digital networks. It's exactly the kind of failure all these ideas are intended to prevent.