If the value of the crypto held in reserve shrinks, meaning the number of Unum issues is greater than the $ value of the reserve, then a Reserve Deficit Sell Penalty is applied for anyone who wants to sell unum for crypto in the reserve.  This is meant to encourage users to not increase the deficit until such time as the value of the crypto held in reserve raises to same amount as the number of unum issues.

Right now tracking the exchange rate is done in one place, but the Price Oracle is actually a separate contract from the Unum Token contract. In the short term I plan to make a new Price Oracle that uses something like the Ark super-delegate model. You'd stake x amount of Unum to become a delegate, and then you can "vote" on the price.  Those who are delegates would share in the fee collected by the Unum token.