The structures of self-government designed by our founders are attempts to resove some of the inherent conflicts between hierarchical vs. distributed networks of power and decision making.
And while they provided an excellent framework... and especially an articulated list of "non-decision" areas (Bill of Rights, etc)...
Changes in scale, social patterns and technology have created imbalances favoring hierarchical structures and feedback loops accelerating that imbalance.
An individually controlled account for commons focussed activities becomes, in its essence, a distributed network for group decision and action with the potential for self-organization. The individuals account becomes an "empowered" node which because of networking and numbers acts as a counter-balance to hierarchical forces.
It's simply speech and association which require technical implementations that have changed with time.
Further, commons activities are both political and charitable.
See Chagora Prototype and Faq