A fixed policy with no central interest recipients would work well, IMO.
However, I think it would be better to simply have a specified quantity of the currency, with zero inflation, as long as it's endlessly divisible. As you noted, a crypto would work nicely.
As the population increases, the trend will be for the currency will increase in demand and value. Each person's wages would decrease, but their buying power would increase accordingly (on average). Furthermore, increased reward for saving would be built into the system by default, with no need for interest payments. Any interest payments would be incentive based according to mortgage companies or others competing for your currency. It would be true laissez faire.
People would become used to the increasing value of the currency over time and adjust accordingly, just like they have for thousands of years when it comes to gold or other natural monetary instruments.
As we see with cryptos today, as long as people are willing to accept them, they are viable. The idea that fiat is not a possible solution has been proven false, though it pains me to admit it. The problem is when there are central controllers who receive enormous amounts of wealth according to how they manage the currency. And, IMO, any amount of interest is arbitrary, so why not just let people learn to live with it and make the total supply static?
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