I thought more about my proposition, and transaction fees throw a wrench in the plan.
I came up with a new idea, though. Currently, the each block includes a list of transactions like this:
trans1, fee, from accts/amts, to accts/amts
trans2, fee, from accts/amts, to accts/amts
Wouldn't it be nice if the block chain looks like this:
from acct1, amt
from acct2, amt
from acct3, amt
to acct4, amt
to acct5, amt
to acct6, amt
Not sure how to do this without trusting the systems generating the block chain, though. Group coordination while trusting no one is hard work!