> the smartest way to go on about it would be to spend a lot on product design, prototyping

I think the richest entity in the world also spent a lot of time on an eerily similar design research in the last century. Unfortunately, they stopped at OSI layer nb.7 (This one looks like a part of an 8th)

The entity is of course the US Government, and the decentralized network is OSI 1-7, also known as...