Thank you for your answers even though many of you unfortunately misunderstood my question. This is probably because I did not ask the question clearly enough. Sorry.

I want to create a coin that is tied to something that has a real value. It could be Euro deposited in bank accounts or gold stored in a safe deposit box. But I am simply in doubt as to what is most of the interest and need.

I think there is a need for both means of payments and means for long-term savings based on blockchain technology, but I wanted others' assessment of what is most need.