I think the minimum transaction fee algorithm deserves to be discussed in greater detail. It also seems to me that HOdling could become worthless if the fee to HOdl ever becomes greater than the interest earned due to the aforementioned algorithm. I understand why you want to tie i., ii., and iii. to the same HIP, but I think their consequences are farther reaching than you may intend. Not to mention, HOdlcoin is only now starting to recover from the 1 year mandatory HOdl snafu and now you want to implement this HIP.