This is part 9 of the series; part 8 is here.
In the last part of this series, I used the website Kiva as an example of how to use the Internet to efficiently get charity to the needy. In this part, I describe a more sophisticated version that could be used to enable a wide variety of charitable giving, including education and healthcare for low-income families.
As I mentioned previously, I don't think the government is efficient at providing social services such as education and healthcare; I would prefer that people gave charity directly. Here's one way this could be achieved.
Imagine a web site called, say, charity 2.0. Any person or organization can visit the site and register a request for funds; either a loan or an outright donation. They describe their situation and its urgency, their geographic location, how they would use the funds wisely, and maybe upload some pictures.
Some examples:
- a high school could request funds to educate 20 local low-income children
- a low-income family could request funds for medical insurance
- an animal lover could request funds to provide foster care for some young raccoons
- a teacher could request funds to take some children on a special field trip
A visitor to the site can browse fund requests by location, subject, amount, urgency, and various other parameters. For example, I could look for opportunities to fund education for local low-income kids, or to fund urgent medical needs under $500. A Google maps integration could easily display funding requests in my area.
A community rating system like Rapleaf could provide some basic cross-checking on the integrity of the requests; trusting that your money is not going to waste is definitely a concern. But let's face it, a ton of money is wasted already in government welfare schemes, so it doesn't have to be perfect to be a whole lot better than what we currently have.
One of the goals of the system is to allow people to fully enjoy the natural act of helping others, even if they're not known to them personally. This is one thing that Kiva does very well. When you fund a recipient, you can decide whether it's anonymous or in your name. Similarly, the recipient has the chance to post thank you notes and updates on their progress so that the givers can enjoy the results of their donation.
What about the history of giving and receiving? The history of a person's reception of money is always public. The history of a person's giving is public by default, but can be turned off by the giver. The idea here is that people can be rightfully proud to have helped others, and although I don't like the idea of people boasting about how much they've given, I do like the idea that they can leave a quiet record of their good nature. This encourages people to "put their money where their mouth is". If someone bitches all day long about how poor people need better education, I can log in and see if they're actively doing something about it. If not, I'll put them on the spot and ask them why. A gentle social pressure can work wonders!
It's interesting to note that a system like this was simply not possible until very recently. So perhaps the concept of government welfare made sense in the absence of the Internet, but I think there are better ways available to us now.
The next part of this series is here.
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