Last Fall, this critical-thought community spent an entire week discussing practical next-steps for creating a human stock market. One in which you could invest in potential at the individual level. At the end of the week, despite great participation, I was still stumped.

But loyal reader and friend, Chris Stapel, came across a New York Times article by David Bornstein that highlights a company called Lumni, who is putting a similar idea into action.

In exchange for $8,530 in financing, [Columbian nursing student Jairo Sneider] agreed to repay 14 percent of his salary for 118 months after he graduated. At that point, regardless of how much he has paid, his obligation terminates. ... If he ends up earning the average salary for nurses in Colombia, he will end up paying the equivalent of an interest rate of 17 percent, which is the average rate in the country for a student loan. And if he ends up doing better, he will pay more, and Lumni will share in his success.

Lumni has made similar deals with 1,900 students to date. Fifty five percent of them are women and 90 percent are the first in their families to attend college. Most of these students would have otherwise been unable to pay for college. So far, the default rate is under 3 percent.

Francis Chan's "Crazy Love" recently provoked my friends and I to discuss the potential beauty of communal living. Mind you, this required a whole lot of conversation to get me there, so I will not presume you see this "beauty" initially, but rather the disastrous horror that would surely come from it.

In fact, I'm sure many of you can empathize with my hold-ups. One discussed benefit was the idea that we could share our talents to lessen our individual expenses. For instance, one of the girls in this discussion is a professional hair stylist. So, in this communal living scenario, we would never have to pay for haircuts again. My wife is a great cook. So, we wouldn't have to pay to go out to eat. And I could....create personal branding campaigns for these individuals and play devil's advocate during our lively political debates??

The idea of getting free haircuts for life is appealing. But even if my personal talents could offer a utilitarian consumer service in return, I still think I'd be doing the math in my head - keeping track of who's getting the best out of this deal.

The only way I could get past this is if I actually loved these people like they were my own family. Then, I wouldn't keep score. And perhaps we shouldn't buy neighboring houses until I do?