Wow - that's super interesting to read. I like your focus on the entire value chain, tackling the problems and recognizing the need for incentives for both customers as well as merchants.
All early starts are always extremely difficult and one must probably face several defeats before the first victory is achieved. Your article proves, that you have a determination to make this succeed, and that's admirable to say the least.
I wish you all the best of luck in your further work on the project and as always - feel free to ask any questions that might help your project advance to the next level in the Byteball Slack.