Just a barebones idea of a wallet that leverages on STEEM, somehow. Notice there isn't any mention of STEEM in the wallet, and it assumes that people want to get "banked" in USD. The voting and posting function will only be limited to certain community tags like #thecoopwallet. With such a focus, it will be all about improving the wallet, and giving people some say in a community-owned "bank" while earning and saving money at the same time. Upon further exploration, users will discover a larger base of communities built around STEEM. I know that Steemit as a whole is already an abstraction of something that's larger than a co-op bank, but I think this narrow focus on a wallet will make some sense to mainstream users, while appearing next-gen. Well I'm not even sure if it's a good idea, or if it even makes any good sense. Just putting it out there..