Good post with lashings of integrity. Government of any style which is held by the few and seems to be voted in by the few and serves the benefits of the few - even if not by design but by construct, is going to have problems.
Regular HFs - even monthly or whatever ... and a representation of the community and a stress testing procedure might be good policies to adopt.
Thanks again for your approach.
Be in touch for any help you might need from the 'hoi poloi'!