My main point is indeed the money has to come from somewhere. If Visa gets more customers because of the lottery part, the value comes from those that previously used Mastercard (lets say there are only those 2). So Mastercard would react and do the same to get the lost customers back. Maybe up the ante and increase the chance a little or some other marketing nonsense. Now we face the same problem as before. Where does the added money come from?
I undetstand that you want to redistribute money. I understand why you consider this fair. But thats not what a currency is about imho. Thats what a social state does. It spends taxes to help those in need. I dont see a way for a currency to handle this intrinsically. Hell even welfare states cant do this properly.