To touch on the "huge amount of coins from TDs", this is simply not an issue either.  There is not a single point in time where all of the term deposits are unlocked..they are all staggered and are continuing to be made.  If you use the resources such as Fuzzbawls block explorer and the charts provided on that site, you can see that there is no huge spike in coin supply like a lot of people have expressed concern about.  You will see a pretty modest curve.  And if you examine the way the bonus interest is set to taper away, you'll find that there is still significant incentive to re-HOdl those funds that have been unlocked by March of 2017.