I love this idea, and know that people a whole lot smarter than me (most folks) will fine tune it to near perfection.
What I'm interested in is how this might hope to address human frailty and greed. I often get concerned that where money is freely available, prices increase accordingly. Anecdotally, I saw this in California; when there first was a rebate available for buying an electric vehicle, all prices for those cars went up the exact same amount.
How do we create structures that don't allow those at the top to just jack up the prices for everyone, since the assumption is that a portion of the population will have this additional funding available? It seems that this would result in a zero gain for the target audience (kiddos) and more economic stress on everyone else... well, unless they're shareholders in those companies.
(again, zero economic background... just trying to figure shit out)