One of the major flaws of FIAT is that it promotes accumulation. I believe there should be a incentive in the structure of money that promotes circulation, so that people with a lot of money create value for others instead of hording billions of dollars.

I see a lot of potential in steem, but it has a major incentive for hording SP to increase the vote power. So, even a well intended whale will need to increase its wealth in ordert to better help minnows. I am not sure where this will go, but I really hope that you are right :)