With your tokenomics, aren't you making a useless currency in the process? Your only way to make the coin in demand is to have stores accept them as currency? The huge majority of stores all over the world aren't even accepting the most trusted Bitcoin, why would they accept a more useless coin like yours? And you're also trying to make sure you have coins for everybody? I'm afraid that's not the way it should be. Scarcity probably works more instead?

But let's not anymore go far. Your idea of creating a coin for others to borrow so that they could use the proceeds to invest and trade is already sorely lacking of sense.