> the channels are controlled and watched

Do you think that ham radio couldn't be? Or isn't? What you really want is privacy, authz/authn concerns, and decentralization, it sounds like. And TCP/IP is about as useful as a "PHY" layer for your application as is ham radio.

Plus, solutions like what you're describing require a relative ease of use - unless you only want to talk to the 17 other people in your geographical area who have similar technical backgrounds.