I do give discounts with dentalplan (similar to insurance), you don't get a refund but you get a 30% discount, i could say to pay full and give a 30% back, maths is the same. I would do it for Crypto and real currency, otherwise it would be a suicide, but i get your point.
If people prefer to hold them (you could be very right, actually i think you are...) in that case Bitcoins wouldn't be a currency, just a speculation tool, there will never be use of them in the real world. If that is the case all the project will fail even before starting (happens...).

I tought people would be glad to use Bit because they are a very powerful instrument who could change the cost of money and anything associated, if not i see no use for cryptocurrencies. I am ready to help anyone who wants to use them an exchange tool, if people wants just to speculate, that is fine, but i am out!