You ask these like they are some kind of gotcha moment, but all of these very simple questions have been answered for decades by international law. You think yourself clever but show yourself ignorant.
super shady to have people sign up then tell them what the credits and pricing is. I guess money aint enough? You gotta participate in surveillance capitalism as well. Creepy.
When you say you are tired of bureaucracy, what you are saying is that you are sick of listening to the voices of your fellow citizens. I would change the language so as to not slander the bureaucracy or the people who work there, who are usually just good citizens trying their best.
It's a good idea though, overall I think. Eventually you could do more than the public sector, the private sector has some terrible processes to navigate as well.
Corrupt, that is how US regulators look, and everyone knows it. But this is the website that is spawning far right fascists who are advocating for political violence in the bay area, so I don't think you will get a lot of reasonable takes here.