Brother... I don't know what to tell you man. You can make a coin right now if you want. Make an ERC token or do it on the Waves platform. Not that hard.
You're never too late and anything is possible. I mean look at Coca Cola. That shit dissolves teeth in 3 days and is used to clean blood off the streets, yet it's more consumed than any other beverage in the world.
My personal preference is for ideas that can find traction immediately and become profitable with little effort. I would recommend you leverage your strengths and create something that could be adopted in the next few months. Shorten your timeline.
As far as micro governments... who exactly are you going to pitch this to? Governments won't like it. No institution is going to back something that implies its demise. You going to go around to local neighborhoods and try and convince them why you should use their fake internet money? I don't know man... if you can make it work, good for you. I have no idea how that would happen though. Doesn't mean it's not possible, just means I don't know how it would work. Good luck.