As others have said, this is an age old idea that has been tried dozens of times and sometimes with very big financial backing (there was another attempt on HN just a few months ago). My personal view is that this idea is fatally flawed and will never work. That said, every idea sucks until it doesn’t, sometimes it’s all about the idea in the moment, maybe right now is finally the moment for this idea? So don’t be discouraged by all us naysayers, maybe your fresh perspective in this moment could make the difference.