By way of your reference to incentives I assume by ”those who create the currency” you intend the private banks that through fractional reserve banking create a

By way of your reference to incentives I assume by ”those who create the currency” you intend the private banks that through fractional reserve banking create about 97% of the money supply, not the central banks that create the 3% of base currency (”high powered money”). If so, I suggest you look at BaseCoin (which I am not invested in, and not affiliated with) and take a look at the scheme they propose, which makes sense to me. I must however point out that in an inflationary regimen the debtors also gets an advantage, as their debt load becomes progressively easier to service as inflation compounds to inflate their earnings, on average leaving more cash that can be funnelled into covering financial expenses after revenue has been duly deducted of operating expenses.