I would like to understand "decay rate" better. I read that some are in favor of it because it would discourage hoarding, and therefore reduce wealth disparity.

I would also like to debate anyone who thinks there is a better money system than my previous proposal about a Capital Homesteading system using digital currencies. Loaning money into existence for feasible productive projects allows for unlimited growth without inflation, and I believe without decay rate also. I am against interest, especially compounding interest. But if the productive credit is allotted equally to every human, and they invest in dividend-paying companies, everyone will receive dividend income to replace technological unemployment and a capital growth nest egg for retirement. This creates free(er) markets, eliminates redistribution, taxation, and of course reduces wealth disparity. And if the decisions about what entities get new capital come from the largest possible number of people, companies will have to treat employees fairly and respect the environment. Otherwise people will not let them use their productive credit allotment.

This community may be creating the new money system of the world. I know some consider this to be a great opportunity to fix many of humanity's problems. I do, and I hope you will.