Dreams are free, but implementation is not. Bob goes to the bank, and he is turned away. The bank thinks Bob is a hippie and may not care to pay them back if Bob doesn't like living in an off-grid home. The bank prefers a safe bet-- which means a regular house with a wife and kids, and with Bob having a 9-5 job. Bob is a high school graduate and never had money for college but he knows quite a bit about building already.
Bob then tries the venture capitalist market. They laugh and turn him away.
Bob then tries the stock market and creating a publicly traded company. They laugh more and turn him away.
Bob becomes sad and he has no great network of friends with lots of capital. People in his town know of him, but he's not exactly famous. Bob then tries his last option-- a new company called Proudsource.
On Proudsource, Bob creates a profile and lists his idea. Surprisingly, Bob finds an old high school teacher (let's call him Tim) has an organization for entrepreneurs. Bob messages Tim and Tim remembers Bob. Bob explains his situation and says that this is his last option and that he's willing to do anything to make his dream a reality. Tim invites Bob into his organization and now Bob can benefit from the reputation of Tim.
Tim announces to his investor contacts what Bob is up to, and many well-capitalized contacts of Tim start to look at Bob's idea. They love his plans, his location, and find there is already intense interest for a competing farmer's market. The locals in Bob's town hate Walmart, and also know if anyone could be a successful farmer, it's Bob.
Suddenly Bob finds himself with $20,000 in bitcoin from strangers he's never met. Tim tells him that Bob has to deliver on his promises with $20,000 and that after that, he will be able to receive more. Excited, Bob buys his plot of land and Tim oversees this process.
Documents are uploaded, news stories are published, and photos are taken of Bob and his progress. Bob runs out of capital and then announces to Proudsource he's completed all of his obligations so far. More investors observe Bob and Bob finds himself with $80,000.
Bob has collected a total of $100,000, but Bob doesn't need to start making payments right away. Instead, he told his investors that he would be doing a progressive return on capital contract (PROC). This means that Bob doesn't have to start making payments on the first month of receiving the loan, which makes no sense to him for a project this long-term. Bob has to start making payments 1 year after he gets his loan, and he'll have plenty of time to get everything set up before then. If he doesn't, Tim will seize his assets by taking him to court and Bob could end up in jail or having to work for Tim to pay his debts. Bob is an honest man though.
Bob builds his farm, green houses, and market within 10 months and exhausts his capital. Bob planned to start his payments in the summer, which means he'll have time for a first harvest and to build a market. By the time Bob has to start making payments, he has saved up a little money to be able to repay, and his market is strong.
His PROC contract says that for 5 years, Bob has to pay his investors 20% of his profits each month, regardless of the amount. For five years, Bob pays handsome returns to his investors which ends up being far more than the $100,000 they invested. Thanks to Bitpay, the investors don't worry about Bob cheating them. Tim oversees the blockchain payment system setup so that each transaction is verifiable, and also hangs a sign at Bob's market saying that if Bob's employee doesn't give a reciept with a purchase, the purchase is free. Naturally every customer hopes Bob's employee makes a mistake but he never does. Every transaction goes through the system and Bob's investors have a live view of every transaction that goes through his business.
Bob is thrilled to have a new life, Bob's investors made far more than they would have at the stock market or being loan sharks, and the community loves Bob's bitcoin farmer's market.
Welcome to the crash-proof future of finance.
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