Unip:  I read over your idea.  I think it is almost the same as what I've suggested, but I do prefer my continuous decay proposal, as it eliminates the fear of getting caught at reset holding cash, and compensates everyone somewhat for any cash they do keep on hand by giving them fresh coins.

And I see that you run up against the same issue - how to establish one-person-one-account.  That makes me think that maybe we are still thinking about this a bit too much from the conventional economics way of thinking.  Something someone else has posted about somehow making it like crowd-funding feels like it might somehow be the key to thinking about this in a way that avoids the "true names" (unique identity) problem.   That and something about "gift economies".   But I haven't been able to put my finger on it...