Okay I'm minting, can someone explain this dummies style to me, it's 3% per year right? cos I have a lot of transactions coming in right now, and immediately I'm noticing 2 things, first there's a lot a dust, tons of very tiny transactions, what's causing this? is it because I have amy money in several addresses in my wallet instead of just one? second some of the transactions are for reasonable amounts, like 0.25 root, which seems like a lot if we're talking 3% per year, maybe someone can explain the math to me cos I am really dumb on these things.