Exchange Money Conversion to Foreign Currency

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imagine every year a certain percentage of money you have would be put aside, and distributed among all people.
now imagine that percentage would be the same for everyone. and the distribution of that money set aside would be in relation of the money people actually own.
i.e. for each dollar you own, 10cent are put aside, and then since you owned that dollar you will get back those 10cent.

does sound like a fair money-system! but there really is no difference to the money-system we have now. the money you own stays the same, because you own it.
the real problem in our money-system starts when you lend money.
so, in my entropy-based money, what would happen if you borrow money from me?
what we expect should happen is that in return for getting this money from me you should somehow give me something in return, something abstract that hurts you for as long as you refuse to give me back my money.
in my entropy-based money therefore you will become an exception when the money set aside is getting distributed again: from the very money you borrowed I will have to set aside a percentage. and then this money set aside will be distributed among all people except for you. this way, the more money you own (not counting the borrowed money), the higher the percentage of the borrowed money you would lose each year.

on the other side, just because of you having borrowed money, everyone else will gain some amount from the money that otherwise would have been your share. to me it wouldn’t really make any difference if the money was borrowed from me or anyone else.
so in order for me to actually gain anything the money-loss you experience should automatically be transformed into your debts growing. so slowly more and more of your money is changed from money owned into borrowed money.

now lets translate all this back from the abstract point of view into an actual implementation:
ordinary “borrowing money” doesn’t need to be actually regulated. a private person borrowing something from another is a contract between the two where money changes the owner. this way money gets spliced up, at most resulting in the total amount of “money” to become doubled, in that the contract about the debt is as good as the money itself.

however, if you request to borrow some money from a bank, that bank will in turn borrow money from “nowhere”, as it is now. so my suggestion is that this “nowhere” would be treated as part of my entropy-based money-system, and thereby everyone would gain money just because of the bank having borrowed some money in your stead.
of course in the implementation a global gain of money is translated into a deflation, the more money the bank borrows the higher the currency it is borrowing will be worth. (i.e. the very opposite of our current system.) needless to say, the bank wont get anything out of that growth, the interest it has to pay is larger than that.

and to make sure the bank wont keep the owned money at a minimum to reduce the interest for “nowhere”, some laws could force the bank to keep as much money as needed to pay out 10% of all the money people have stored. just disallow the bank from making debts if this law isn’t fulfilled!