Proposing an Alternative Decentralized Approach

I've been thinking recently about what happens to cryptocurrency if we move away from the dependence on private keys or the irreversibility of transactions.

My idea at this point is probably quite naive and I have a lot of reading to do to check out whether there's any merit in the approach I am thinking about which would involve n-factor authorization and a variant of a smart contact to handle disputes.

What would be the recommended way to write up a draft of an idea to get feedback. If the idea already exists in sufficient form, I would be glad to join an open source project.

The challenge is that there are so many projects out there and I am not clear the best way to find an open source project similar to the one I have in mind or to get feedback once I write my idea up.