A proposal:
Imagine a Kickstarter 2.0 where, for a sum of around $250, you get part-ownership in a company instead of a thank you note and t-shirt. There are already a small handful of companies lining up to facilitate crowdfunding, some flying under the radar of regulations and others chomping at the bit and pushing for change.
So what's holding this up? Regulations:
[T]here are a number of sites in the US where you can "give" money to a creative project in return for a prize or keepsake or two. There are places where you can lend money peer to peer. But you cannot purchase equity, as you can in the UK, because the SEC demands [such] a high fee for authorising the documentation to sell equity to the general public.