You still don't get it?  The purpose of a currency is not to be an investment. 

If someone has to make some payment for which XCoin would be the best choice, he should buy as much XCoin as he needs and spend it.  If some merchant thinks that accepting XCoin would give him 1% more profit, he can accumulate the XCoins that he gets for a couple of weeks (a 2% per year loss will not be significant) and then either sell them, or use them to pay other XCoin-accepting entities.  If someone earns a substantial amount of XCoin that he does not intend to spend in a couple of months, he should use it to buy some more profitable investment.  That is how a currency is supposed to be used.