On reflection regarding your questions on HTM I would point out that the work we are doing here is all experimental, subject to change on discoveries of the research team or any of the member community.
These are still early days in HTM and it has already gone through some pretty significant changes in focus and I fully expect more to change as research continues.
One of the reasons I referred you to biology is that we are still mining that for guidance in research directions.
The closest anyone has gotten to monetizing some aspect of HTM is cortical.io and they are only using bits and pieces of HTM theory.
Reading your introduction I see that you are supportive of startups. These generally have some idea that is proven and ready to be developed for the market. What we are doing here is way further up the development stream and may literally be decades away from commercialization. We all hope that useable results won’t take that long but I would not make book on that; you can lose a lot of money that way.
You are certainly welcome to figure it all out with the rest of us but don’t expect that anyone here can tell you how to fit HTM into a usable application; we don’t know either.