It just leaves people puzzled? You just have to write down a few words on the debug window, I can't see anything puzzling with that unless you have some mental issues.
Your point about the stack function is wrong, you can spend Mints whenever you want, you decide to spend it or hold it, you are not obligated to hold it and by the way 20% per YEAR is not THAT MUCH considering it will decrease to 5% per year...
Two things: 1st I am able to use a debug window, but I bet the majority out there don't even know that there is a debug window in every client.
2nd I NO WHERE claimed, that one is FORCED to keep them, but ENCOURAGED by the model. It is a currency that ENCOURAGES people not to use it as a currency because it's value is supposed to rise.
I don't get why this is so hard to understand.