if you reach your mining cap, but there are no other miners, where block reward would go?
If there is no miners, the block chain will stop. If there are miners, the reward goes to club members and club leader.
Then I think I might found a problem. If there will be users outside of mining clubs they will eventually run miners into reaching their mining cap and there will be no miners left, so blockchain will stop. Am I right on this one, or am I missing something crucial here?