When you said:
Rassah also mentions a 3% fee, but I have no idea where this comes from so I ignore it.
I was going to reply with, "Are you serious?!" and quote this
Simply demand a txn fee equal to 3% of coin-age (with age measured in years).
But now that I know that you apparently are only interested in abstract concepts, instead of real concrete ones, that explains everything about your weird posts. It even (almost) explains you promoting the 1% savings reward, and saying things like even though this reward will make a $100 TV cost $99 a year later, that deflation isn't a bad thing, which is really weird coming from Mr. "Krugman is tired of trying to reason blahblahblah" Keynesian like you.