I actually am from a country in South America with very weak democratic values. I've been blessed with skills that are marketable. I might or might not commit """money laundering""" every month to feed my mother and brother.
I hope you do realise that while you are saving lets say half of your money from the incompetent government or whatever is the case there, at the same time your South American oligarchs are using the same token system to steal billions from yours country, and from you indirectly.
What you are proposing is eventually devolves to the social darwinism. You have a global aggressor - your government. You have a lot of citizens i nthe country, both rich and poor. All were hurt by aggressor (financially), rich less so, poor - a lot. Now you introduce a new system in the equation - tokens. It works like a private pipe from a shared pool. Now the individuals are are more proactive, smarter, and richer will utilise such pipes earlier and more thoroughly, funneling money to the offshores. And people not utilising such pipes/tokens are left "having fun staying poor". You personally is simply hoping to save your own money faster than aggressor takes them from you.
The problem is that you country will be in the worse position when such "money saving" system will be working at scale.
I hope you do realise that slang names like beta, soy, avocado eaters etc. is predominantly used by conspiracy theorists themselves. All those flatearthers, climate change deniers and so on.
Don't waste time trying to label me as a caricature of the side you don't like. Politic ideology make people say ridiculous things like calling someone sending money to his elderly mother a global aggressor. It doesn't matter if it's left or right.
I called your government aggressor, not yourself, based on your previous comment that said "very weak democratic values". I live in the similar country, so I made a common analogy.