Hi, glad to have you on board, thanks for supporting the project.
So, question 1, re inflation.
Yes, the inflation rate for the next few years is higher than the MUEbank interest rate, however, if you don't use MUE bank, the inflation rate will erode your value even more.
MUEbank is set up as a service to the community (that costs us money to run) to help reduce the inflation for personal holdings held in the savings account.
Question 2 - assuming you have used official links etc what you are seeing is "false positives".
By definition, mining software is essentially password cracking software.
So while I cannot guarantee what you have is virus free, if it is from official links, it will be a false positive.
Hope that helps
B