Seems to me — Always the Skeptic, I know! — that the biggest challenge we're going to have lies in retraining the thinking of the end user.

Humans have a tendency to "centralize" without provocation. Small farmers set up at farmer's market, rather than at an individual farmstand. We shop at Walmart because we can get everything in one trip, rather than having to go to 17 sources for 17 items. In some sense, convenience and expediency are the two most highly prized (intangible) commodities. Even in today's far simpler environment, I'm already getting annoyed that I can't keep all my tokens (and there aren't that many) in one wallet.

It's not that the concept isn't amazing, nor that there could be a brilliant technology and future here... but ease of use is going to be essential here!

=^..^=