The AVÈK model presents a compelling case for grassroots financial inclusion, leveraging trust and community bonds to bypass traditional banking barriers. Its success stories—like Julmice Bastien’s truck business or Lovena Nelson’s cosmetics venture—highlight its potential to empower individuals in unstable economies. However, the model’s reliance on mutual trust and lack of formal safeguards make it vulnerable to economic shocks and fraud, echoing Haiti’s history of exploitative cooperatives. T...