It's not an original idea, it's been done before on several servers, and it never works out. All it does is split the community even farther than needed.
And about people losing their banks, I assume you mean from staking? If you don't want to lose your bank don't stake, it's the whole risk of it.
There's also nothing wrong with the eco, besides staff doing daily 500m+ giveaways (that's something i'd support in changing) they need to put more control on stuff like that.
It's mainly me who does the giveaways.. No items are spawned for giveaways its already in the community (Only person who an spawn is Omi). I currently have about 135 billion cash which is why i do daily giveaways of around a bill but that is not adding anything to the eco its already there.