For the ordinary person, daily life in Copiosis is pretty much the same as now except that instead of being in debt one is on the "pay as you go" plan.
But the best news for Copiosis divorces is that they would be less likely.
In a Copiosis economy, there is no insurance at all, of any kind, for anybody. This is because money cannot be transferred from one account to another.
The Copiosis Organization does not control nor direct nor exercise authority.