You are thinking like a political scientist with a pop-psychology hobby, not an engineer. Society is not something to be engineered, this thinking is how we came to be where we are now; endless cycles of fiat induced destruction. Forcing "balance" by awarding one group an enlightened status for not saving their money over another that wants to accumulate wealth is simply demagoguery. If one person wants to spend their money, and another doesn't, that's called a free market. Punishing one group for saving (or hoarding) because you find it distasteful is a totalitarian edict. You say words like 'let' and 'madness', this is the mark of an armchair dictator. Many of my past friends spoke at length like this, their endless 'they aught to' and 'pass a law' for this and that. I've had quite enough of it. Bitcoin is doing fine without your pull requests. Fork your own version, its simple enough to do, and convince everyone your posterior emissions are for their own good.