Abstract: A discussion forum system including a central server in communication with a plurality of user devices in which each of the user devices provides a user interface through which an associated user communicates with the central server; the user interfaces facilitate user participation in a plurality of exchanges in which each of the two or more users is represented by a pseudonymous avatar; in which at least a first user and a second user of the two or more users pay a required buy in associated with a first exchange of the plurality of exchanges to join the exchange and the value of each user's buy in is divided amongst a comment bank and a tip bank associated with each user; and in which, users pay from the comment bank to make comments and pay others from their tip bank for quality comments.