By having demurrage, X% of all coins go back to be mined, and each wallet give back to be mined Y% of X% of all coins where Y% is based at the percentage of the total coins the wallet have.

Maybe this would make harder for a company or bank to do fractional reserve stuff, because their wallet would have tons of coins and so have a huge percent of the total coins and so their value of Y will be big and they will lose tons of coins over time.

By losing tons of coins over time, they reduce the amount of real coins they have to give back to people. Fractional reserve banking usually works, because the amount of people wanting their money back is usually just a small percentage of the total real money they have, but with this demurrage idea as they continue to lose money this amount of people that want their money back at a given time will become a bigger and bigger percentage of the bank total real money.



This idea has just one problem, you now have demurrage, a thing that like printing enought money to make sure price inflaiton has 100% chance to happen (the monetary inflation done by the state), is a HELLISH thing.