spoon-business: Proposal to introduce Proposal Fee.

[Daniel Chapman <Daniel.Chapman@xxxxxxxxxxx>]

[[
I feel that having the fee for a failed proposal happen when the proposal
fails introduces fear of losing points.  However, you can accomplish the
same task (charge someone points for proposals doomed to fail) by moving the
fee forward in the cycle (when they introduce the proposal) and then
refunding that proposal fee for a successful proposal.  Making the fee
someone like a bottle deposit.

This has the additional affect of allowing the bank to suspend the fee to
encourage people to submit proposals (when the bank is rich) or raise the
fee to slow down the rate of proposals.
]]

I propose to remove the text "Whenever a Proposal fails, the bank is owed:
1. the Failed Proposal Fine by the Proposal's owner"

Then add the following text: "Whenever a proposal is submitted, the owner of
the proposal must pay the bank the New Proposal Fee."

[[ 
Then to make the fees match the current state of events, the bank would set
the New Proposal Fee to equal the current Failed Proposal Fee, and then
increase the Adopoted Proposal Award by the amount of the New Proposal Fee.
The net effect of this will be to move the payment of the fee further ahead
in time and add a level of predictableness to the bank's salary.

And, for just "touchy feely" reasons, it hurts less to pay a fee than to pay
a fine.
]]