[pamplemoose]

I think these "money swarms" will learn and be able to coordinate more effectively relatively soon. One of my favourite projects is pooltogether.com, a no-loss lottery where the prize is generated from the interest on the pooled money that is deposited.

I can imagine similar efforts for crowdfunding projects where those that pool their money together don't actually have anything but the interest to lose. Maybe built on top of Alchemix platform? This will certainly be more likely once the transactions fees are lower and people are using layer-2s.

[adbachman]

Isn't that just a mutual fund with 0% interest for all but one person?

[taylorfinley]

These actually exist in the fiat world as well, and have been shown to increase the savings rate. Interesting coverage on the Freakonomics podcast here: https://freakonomics.com/podcast/say-no-no-lose-lottery-rebr...