from a design perspective, create an IDEA BANK, where not much is needed to invest, rank each idea with a profit margin. There are so many rich and smart people in the world to execute ideas. What we lack is for poor to invest there simplest ideas, we make it so hard for them, business plan, execute it, find investors... this should be as simple as a post it note that you can invest and get money for. The bank will collect the ideas match them with their makers and give a royalty fee, percentage for the idea creator. IDEAS should be respective for each individual environment.