Moving Engineering Tokens into Mainstream Insurance Economies

Condominium Structural Engineering Scenario: A pool of engineering experts [Participants] are participating in The Innovation Bank [TIB], i.e., accepting digitally blockchained tokens in mutual exchange for opinions and recommendations.  A condominium (B) association [Client] has a structural concern for which they require the opinions of several types of engineers. However, after receiving quotes from several engineering firms with good reputations, they realize that they cannot afford the rates as measured in United States Federal Reserve Notes (D)  The Client goes to TIB exchange and purchases a given amount of Engineering Tokens [Quant, Q] that they spend on various expert Participants, say, civil, structural, geotechnical, construction, legal, etc. How many Quant does the Client purchase? What does the Client receive for this purchase? 

Concerns over Consequences: As with fiat currency, liability must be proportional to the number of Quant that the Client negotiates with TIB, which holds D in reserve and in exchange distributes Q to each Participant. As a consequence of the networked nature of TIB, how does liability for eventual structural failure or perceived safety of C become insulated and distributed as a result of the "arm's reach" nature of the disparate  opinions and recommendations of the Participants? Conversely, how does persistent structural soundness of C result in reward for the Participants? Is liability proportional to the number of Quant that the Participants convert to fiat currency [$], and therefore shared across TIB?  The latter condition would constitute a naturally adjusted "insurance product," favoring high-risk mitigation over low-risk mitigation thereby generalizing and organizing risk removed from complex systems. 

This is an extremely important construct because insuretability is the catalyst of investment.  Is there anything here to associate token allocation (proportion, velocity, vectors, etc?)  and systemic risk reduction?   

What is missing is a time element and a formal relationship between the relative values of the currencies. Can we set up a ratcheting model for the Quant vs. Dollar Q:$?

How do the Participants see their actual value increase as well as the value to the Client? The three variables must be Q, D, B., where Q is Quant, D is USD ($), and B represents livable square feet of the condominium or generally perceived value of the condominium.

The Participants on the Condominium Project would need to agree to a Byzantine's General agreement where each accepts a portion of the liability for the other participants such that the total liability sums to unity. 

The answer to the question also involves the Bargaining Problem whereby the Client purchases $10M of coverage for $1M. The Participants must also invest less than they receive in return. Participants know that each Quant is equal to 

Now for each Participant, B = $0: the condominium has no immediate value to each Participant initially as no Participants live in the condominium. For the Client, Q = $0.

So we have 

Fundamentally, in order for an economy to move, all entities involved must relinquish items of low value in favor of items of greater value (Nash, 1950).