@Leaflord @dcc @HiTwo @dicey
This is basically the setting of Stephenson's "The Diamond Age", international clubs with ethnic based membership. Or Balaji's "The Network State", though that's on a larger, country-like scale and not necessarily ethnic. People sign their property on to a network and get access to everyone else's properties in turn. A decent option if you don't have the funds to fly solo (most people).