Finally, when pay-outs start, huge amounts of RC from the first pay-ins will pour into the market, pushing the exchange rate down. Your second pay-out will be substantially less RC at a substantially lower exchange rate. You'll be practically broke once you retire.
This is a very good point. It got me thinking. Is the above senario inevitable?
IF everyone uses this RC for retirement fund, the block reward keeps up with demand, than the market capital of RC would be huge AND price could be relatively stable. When the first wave of retirement plans matures, it's such a low percentage of the whole RC market, it may not affect the price signifcantly. There would also be a constant capital inflow from youngsters, the ins and outs could balance out.