Individuals and mutual credit

When I'm trying to explain mutual credit to people (and it seems like I don't do much else these days), a very common question is: 'can I join the OCN as an individual?' and I find myself saying, 'not really - it's b2b - we'll see what happens further down the line'. I get it - the average individual who isn't a small business owner / sole trader works in one of David Graeber's 'Bullshit Jobs' for a corporate that has no interest in mutual credit, or in communities, apart from how to get wealth out of them as efficiently as possible. For the typical individual, there's no way in, and they're only going to be very marginal anyway.

But - the 'typical' individual may soon be: unemployed, plenty of time, no money. What can I tell them? Can they join on the same basis as a sole trader, and just stay in credit for now? So many trading arcs in communities end with sales to the public - and there's going to be so many people looking for things to do to earn some exchange medium.

Just looking for something a bit more creative / hopeful to tell people who inevitably ask where individuals sit in mutual credit world. Any help gratefully received.