What a presentation! I really like the sound of this project, and it sounds like an app that I might actually want to use myself. I do see the problem and the challenge with scalability, but if you fix this, making sure that the app can be used even with thousands of users, then this is brilliant! I believe it has the potential to draw new people to Steem as well, simply because this is a tool that many people would love to use to help them reach their goals, and adding funds to those goals, will for sure help!