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"need to solve stability and identity first before tackling credit." that makes sense, yes.

"private-public key pairs should be abstracted away to the end user" what do you mean by that?

"I don't think they have the same network effect as credit systems" What kind of network effects to do you see w/ a credit system?

1. Having something equivalent to account with a username and a recoverable password.

2. Credit systems where you loan money to other people based on other's deposits has a multiplier effect [1].

Now I understand you first point.

Did not know about the Money_multiplier. Cool info, thanks!