[detaro]

You don't need a new cryptocurrency for that. Just lower your prices for people paying with BTC/ETH/... to adjust. (Doesn't solve the potentially bigger issue of insurance though, but I think that has to involve some third party)

[xur17]

You can definitely do that and the end cost for the consumer would be the same, but it would result in vastly different levels of consumer usage.

edit: On second thought, you are probably right. With the right wallet ui you could just provide a simple discount or cashback that covers the transaction fee + % cashback at the point of purchase that's covered by the recipient via a contract, or via rules that the recipient publishes.