Oh, Hi, you are posting again. Very interesting this thoughts and ideas of yours.
I think I don't understand enough about what you suggested here, so I have assumptions and questions.

A coin with which you can pay not only virtual but material things, but you cannot transform it into other currencies, right? A coin which gains value by circulating rather than hoarding it?

How would you meet the counter-arguments? One would be that a coin that doesn't give you a financial advantage is missing the player's heart. This means that people use cryptos because, for example, they are the first to gain the most power in the game and thus become the game's determiners.

What does the retailer use to pay the manufacturer or wholesaler for his goods to be purchased if the latter does not accept this coin? Isn't he then forced to reject the coins of his customers?

If I imagine that I run a small retail business, for example, and purchase my goods only from other small businesses, how can I convince them to accept the coin?

Taxes would then have to be considered by people as fraud on the citizen, currently it seems to me the other way around that not paying taxes is considered fraud and of course that is in every law book. Accordingly, there would have to be a great upheaval in the thinking of people who, if they understood and liked your idea, would at the same time be willing to be considered criminals before the law, no? Or am I seeing this wrong?

How miserable do people have to be before they don't care?

Sincere greetings and I hope you don't mind me asking stupid questions :)