Having a little trouble parsing the specific feature ideas here. It seems like one of them may be an ability to share a read-only view of your plans... but on the other(s) I might need a little more detail.
* My Personal Stamp Collection API Plug-in (not-public, not-for-sale)
Basically, theres enough weird stuff out there that could be a component of someone's financial hopes and dreams, that communities could sprout on being able to enhance around a topic.
There's also that first step of needing/wanting to be able to API-into the product to explore the idea to see if it's even something that can be modeled.
Being from the UK, having a plugin layer able to differentiate US from UK implications on finances would be extremely useful. But also as a fellow developer I hate to recommend a level of refactoring that might break you!
I think this is because you are conflating "model" and "plan"; whereas the conventional use of plan probably means model, when playing in your Sandbox it looks as if "plan" is model+data.
The grandparent poster is describing sharing models.