Good stuff. Have you seen BitCredit? Pretty close to your vision here.
Bitcoin Does Not Scale: A Real Solution
https://pubky.app/post/gujx6qd8ksydh1makdphd3bxu351d9b8waqka8hfg6q7hnqkxexo/0033WQ2A64RBG
Discussion
My proposal is a bit different. Does not require a specific money or blockchain, and operates via specific mutual credit, not mints or DAOs, just individuals tracking debts of each other cryptographically.