I would like to say first that i am not an programer or anything in the area. Im an administrator and i was interested in Bitcoin and others criptocurrencys due to its volatility. Now i am even more interested in it.
Recently i was comparing the systens that exist in the verification of a transaction (PoW;tangle;PoF and others)
Something that every criptoenthusiat likes is the descentralization but in Bitcoin mining this isn't true. In Bitcoin farming big porcentage of the proof of work is done by a farming company. This problem have already some solutions such tangle and POW but yeat they have their flaws.
I have a simple idea soo i don't know if it's stupid or good but i don't will know if i share with the community..
The system has no miners and the veryfiers are the users that send/receive the criptocurrency.The only rule that the system has is: Receiver and sender transaction have to result in 0.
Eg:
Sam have 3 COIN
Michael have 0 COIN


Sam sends 3 COIN to Michael.
In this example, the transaction is:
SAM -3
Michael +3
Results: 0
In this basic idea of mathematics..
The system is online and need to the approval of its owners.
Michael go on Sam wallet adress or social perfil. Requests a transaction (the only rule is, every transaction have to result in 0), Michael wants 10 from Sam.
The transaction is on hold
Moments later, Sam sees the solicitation and see that he will send 10 to Michael. He approves the transaction.
The transaction is made.

Every transaction obviously results in 0
Because someone will receive the amount that the other is sending.

Issues:
Double Spending- Solved
Mining- Solved

New Issues;
Security/Spam- This plataform needs to be secure and don't allow spam.(if so everyone would ask everyone for transactions)

I hope my idea isn't stupid.
Good day for you
Ideas and critics are welcome