I have my theories about why members of our time bank aren't making many exchanges. I could write an essay about it.
Essays don't build community.
I didn't write the essay.
Instead, I went to the meeting and I said: What we need to do to foster exchanges is to reach out and make exchanges. And not just with each other. We on the coordinating committee all know each other. What we need to do is look in the database for people who don't know anyone and don't make exchanges, and we need to make exchanges with them.
It's easier said than done, but at least it has been said.