The big issue is that these "currencies" are treated as assets. People accumulate them in hopes of them going up. They need to have an expiration associated wit

The big issue is that these "currencies" are treated as assets. People accumulate them in hopes of them going up. They need to have an expiration associated with the coin so it becomes a currency for payments, not an asset to accumulate. Something like an expiration date of 6 months after you receive them. People will need to use them or lose them. I would propose that they have a shorter expiration time during recessions and longer during expansions.