For the first question, here are the features I thought would be beneficial to this brand new coin. 1) ASIC-resistant proof algorithm (like in ETH 2.0 iirc).

For the first question, here are the features I thought would be beneficial to this brand new coin. 1) ASIC-resistant proof algorithm (like in ETH 2.0 iirc). 2) Fixed mining rewards. For example, offering 1 REcoin per mined block forever. The idea is to prevent the deflationary aspect of BTC. 3) Whole coin transactions (i.e. no buying/selling 0.0001 BTC) to simulate the capital range of real estate investments. 4) An ICO valuing each coin highly (e.g. $10k). The initial capital would be used to set up an insured exchange. The idea is to leverage the insurance to become the dominant USD/REcoin exchange, preventing a large exchange-established dark pool that trades fractional REcoins and threatens the coin's price stability. For the second question, I think this coin is better than a treasury bond or index fund since it discourages trading and thereby emulates the illiquidity of RE. I've talked about why I think this illiquidity is important in another comment below. With respect to a bank account, I think this coin is far superior since it aims for a rate of return on the order of an RE asset (i.e. much higher than a traditional savings account).