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Once identity is solved, credit risk becomes easier. You can’t commit fraud or default on your debt just by wriggling free into the ether; your credit history is immutable and follows you everywhere. In a fully transparent world — even if pseudonymous — willingness to pay becomes a given, and so the analysis can focus on ability to pay.

What was required of other creatures so that I might be able to use this technology?

By harnessing creative surplus, multiplayer media projects benefit from free or lower-cost labor at scale (think Wikipedia).

To ensure that resources are made available to those in need— rather than perpetuating structural inequality —we need to look for solutions in the following areas: Funding Mechanisms, Education, Onramps, and Web3 tooling.