> For the complete documentation index, see [llms.txt](https://info.xrex.io/mastercheers-web3-whitepaper/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://info.xrex.io/mastercheers-web3-whitepaper/er-dai-bi-jing-ji-she-ji-mu-biao/01-ji-you-jing-ji-ti-zhong-de-xin-ren-yu-gong-ping-wen-ti.md).
# 01 既有經濟體中的「信任」與「公平」問題
課程發行方天下學習、講師 XREX、與學員構成一個經濟體。在既有的運作機制之下，有三個主要的「信任」與「公平」問題：
**問題一：學員在購買課程之前無法體驗，購買後若對課程不滿意，也無法退費** \
天下學習的主要產品是知識與學習，但從商業角度來說即是銷售線上課程。知識產業的商品因為其特性，很難讓學員先有足夠的體驗，對課程滿意後再付費。當學員吸收到知識的當下，知識做為一項商品就已經被交付出去，無法退貨。
**問題二：課程的合理定價很難客觀判定** \
線上課程的成本和定價難以客觀判定，一來是「一次性開發，可讓無限學員觀看」的特性，銷售套數越多，每一套課程的平均銷貨成本就越低；二來是其投入的資源、時間以及講師的價值，沒有一定的市場定價；三來則是知識無特定價格，又如何判定是否為合理定價？
那麼，此種商品的合理定價該如何決定？最合理的方式或許是交給自由市場決定。然而，站在課程發行方的立場，則有風險過大之疑慮。對學員而言，無法試用又不能退貨，學員要如何相信此堂課的內容是值回票價的？這種不信任，某種程度上會抑制經濟體內交易行為（買課）的發生。
**問題三：學員之間難以形成共學與互助社群** \
新學員評估是否購買線上課程，最理想的模式是跟已經上完課的「學長姐」詢問回饋後才購買，特別是新學員如果可以找到自己信任且理解自己需求的「學長姐」，如：家人、朋友、同事等等。購課後，若是新學員能和「學長姐」形成互助的共學社群，分享彼此於在上課時遇到的問題、在各自企業與生活中實踐 Web3 的經驗，則更能相互提升、知識共享。
但在既有的天下學習經濟體內，銷售權與定價權掌握在課程發行方手中，「學長姐」推薦課程也無法獲得任何好處，沒有太多的誘因與動機，因而抑制了關係人之間的互動：大部分學長姐不願意或沒想過要投入資源，協助課程銷售與幫助新學員。
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