As for people losing money within the system I'm proposing; either you are deliberately oversimplifying or you just don't understand economics. Given the fixed final amount of Bitcoins on one side and the ever growing world economy, Bitcoin is bound to be at least slightly gaining value, prices of goods in Bitcoins are bound to be going down and exchange rates to other currencies are bound to constantly rise. If the yearly fee rate would be smaller or equal to the appreciation rate, nobody would lose their money.