it's not correct, when you have some MC$ in your wallet, you will get some daily interest...
the fee is 0.005 MC$, that means 1.825 MC$ a year, when you have a very small account...
every account has to pay it, after that it is redistributed proportional to the network regarding even how big is every account...
this is a "cleaning" mechanism and spam protection...
this will strengthen the network, you can get some MC$ even if you are not mining, only by hoarding the currency...
correct numbers of holding MC$ to get interest can't be given now and it will fluctuate because it depends on the number of accounts and how much MC$ you have...
What you have just described is a system to funnel money from all users into CoinHunters personal wallet. Why should people get richer just because they are already rich? It might be the way of the corrupt high street banks but it's not the way of the peer2peer crypto-currency system that was designed to replace them.
This mechanism doesn't clean anything and isn't spam protection. It solves a problem that never existed and in the process ensures those with many coins get snowballing wealth, as well as losing the semi-anonymous nature of BitCoin.