Thanks for the effort in the writing. I think my idea is a lot simpler than you are making it to be though. The idea is simple. If you (or someone else in the community) needs a loan they ask...and if the need is real and the person has a good reputation the funds are advanced. No interest and no repayment scheme. Just a person saying that they will repay it.

How do they repay? Delegate or purchase GLD coins. If they delegate their HP is still their own it just helps the community to get upvotes (and they are part of the community). If they buy GLD tokens even better. They get a coin and simply holding the coin shows they paid back into the community.

As for the token itself? It actually does have an account that brings in regular income and twice a day places a buy and sell to peg the GLD token at 0.01 HBD (with 2% spread). There is also gld.appreciator which buys GLD weekly if it is under the 0.01 HBD peg. Finally the @tergan account holds HBD in savings and uses the 15% dividend to buy GLD if it falls under the 0.01 peg....So no worries on having it crash and burn :)

As always thanks for the reply :)