Hi! Some days ago, I wrote a very similar article about my theoretical DIY money. My hypothetical money is "karma", and it's not bound to dollar or any other fiat currency. Everybody can issue his/her own karma currency and the free market determines the value of it. It's independent and simple (no tax needed). In my model, karma is represented by an ERC-1155 NFT. Here is my article: https://medium.com/geekculture/karma-as-a-universal-cryptocurrency-ced01d29df42

Take a look on it if you think. (It's a short article, not much time to read.)