Newbie or not newbie, it's a big problem!
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To put it in simple words for those of you who never attended College Economics Classes, Bitcoin is inherently flawed because of deflation and deflation is bad mkay.
See, when people "mine" coins, it means they need them. And yet, more people "mining" result in less coins! It's nonsense.
So with Bernankoin the Block Reward is actually determined by how much people want coins. It's also not "mining" anymore, which is a silly goldbug term, but printing, which is the way Ben Bernanke saved our economy. That innovative reward system is called Quantitative Easing.
That way, it also does away with any pre-"mining" concerns.
A bernankoin is a BEK, and the smallest unit is called a keynes.
We don't use "wallets" which are insecure and unreliable, but good old banks.