[ttoinou]

I believe mutualism might be a good way to create closed groups of mutual aid inside society and I've read that's how it worked before the industrial revolution (French "Compagnonnage", friendly societies, confraternities, guilds etc...).

So why all people like you don't try to launch a new modern version of theses things ? If you don't need the state to do this then it should work without trying to influence governments to your benefit (because you supposedly don't need it).

  it's rare that the person on the receiving end of the donation helps mutually

Sounds like you want to talk about exchanges, but don't want to use that filthy word. What's the difference between exchange and mutually aid ?