Oh Fok :-( your concept of excel sheet is simple but efficient.
how do regular people usually get Sats ?
In the case of that guard man, for ex ?
Discussion
Firstly, those in that society group don’t know about bitcoin.
The ways people buy them is on Binance or YelllowCard.
The example of the guard I’d create a P2P option where he could buy from me.
Send to me via mobile money then I can send him sats.
But issue is he doesn’t have a smart phone. That’s where the excel community bank idea comes in. But now thinking of using POWA as an internet cafe and helping them set up an Alby or mutiny.