They already use inflation 😅. 3% doesn't sound like a lot, but that growth rate is exponential over 100s of years. 

But there is a bigger problem: The premise of your idea is to reduce bureaucrazy and control. The system likes bureaucrazy as it hides responsibility and autocrats absolutely wanna keep that control.

There is an additional thought about taxes: atleast here in Switzerland you can lower your taxes if you follow the rules of the system very closely. This goes much deeper than just transactions. E.g. you can get cheaper taxes if you had to pay for expensive medicine, but only if the doctor that gave it to you also created a specific government-regulated certificate.

The goal is to ultimatively control the behaviour of the people and it works.