The concept has value. It needs to be discussed. Wages can be paid with money with different expiry dates. Say you get $1000 a month, with $500 in 30 day cash. $250 in 90 day cash and $150 one year and $100 permanent. Best way to handle it is with a tiered debit card, so people could use the short term cash for food rent and items on the basisof useit or lose it. The 90 day and annual could accumulate. You might be able to roll one type over for another period for a fee - say 5% for 30 day. 10% for 90 day and 15% annual. This would act as an impetus to spend money so other people in the economy benefit. The use of debit cards would allow the money to be refreshed so the merchant gets 30 day money on day 25 it is now 30 day money fresh in his hands. A huge sea of data, but easy for an accounting system to handle. The concept needs to be brainstormed but I think a viable economy would work with the correct settings.