Like many of these other commenters, your idea stood out to me because it focuses on the psychological issues around sanitary toilets, not just the infrastructure. I also like the concept of incentivizing people to use the loo with a reward system that involves financial rewards. Instead of only paying back those who invest in the system with money, have you considered offering rewards to users who volunteer to keep the spaces clean? I agree that things that everyone owns are actually owned by nobody; could you come up with a system that keeps track of teams who do things such as wash the floors, clean out the stalls, etc., overseen by your loo leader? That way, you could incentivize people to carry out they very behaviors you are trying to ingrain into habits, without the added risk of fraud associated with financial exchanges.
Hi Gladys - I liked your idea. It reminded me of many of the flour alternatives people are now using in the U.S. because Americans are increasingly giving up gluten and white flour because of allergies and its other negative effects on their health. Not only could banana flour resolve the surplus and waste of bananas in your example, it also could grow into a profitable market in nations like the United States, where more and more flour alternatives are coming to market: http://www.onegreenplanet.org/vegan-food/make-better-choices-healthy-alternatives-to-white-flour/. The only negative to all of this culinary innovation is the impact on the environment. Several New York Times articles in recent years opened my eyes to the way in which we are altering our ecosystem when the market for certain crops explode (e.g. the correlation between the booming almond market and the droughts in California) http://www.nytimes.com/2014/12/28/us/water-source-for-almonds-in-california-may-run-dry.html.