Awesome vid :)

There people in poor countries use similar methods to fraternal societies today to get large sums of money- since credit is extremely important for getting out of poverty. In the documentary "Living on One Dollar" they go into more detail, but basically people who live on a dollar a day will pay ~30% of their income into a pot every month. After X months (where X is the number of people in the group- usually ~10), they get X times the amount they're putting in (so the same amount back as they donated in the first place). So if I was putting in $12/month, I'd get back ~120 after a year- enough to start a business, or buy a tiny plot of land to generate more wealth.