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This creates a direct link between lender and borrower and encourages lenders to use local resources, especially the communities on which they lend. The trust system, in effect, funds the lender. By making loans more available to communities, the system offers borrowers an alternative to credit card lenders. It's much cheaper for community members to pay for goods and services, rather than paying a monthly subscription fee via

In fact, the trust program is a model for similar community funding networks currently operating across more than one hundred US states.

As for what community members could get in return for paying monthly fees, the trust's trust officers would sell the trust. All this would benefit the community in some way, so it's hardly a negative.

But to what end does it benefit us? On the surface, it sounds like it would encourage better relationships between people and communities. If local lenders can get back their trust fees and encourage lenders to lend to their local community, they could have a lot going for them.

But there are some downsides too. For starters, community members would have to do without credit card services. Even if they can get those, many would prefer not to pay any monthly fees, or simply take care of their monthly payments in their