I've spent more than that amount of time casually trying to make sense of monetary policy, simply out of interest.

I do not feel competent to take part in a decision about the reserve requirement.

I guess you could set up a system where you delegate your vote to a third party on an issue-by-issue basis. An interesting thought experiment, but quite a few things to work out. My guess is, at the end, it would be similar to the system we have.