If I understand the 'refund400k' worker, this worker basically recycles pay back into the reserve pool, meaning that we arent actually paying anyone. The purpose of this is so that this is the cutoff point, where all workers below it will not get paid. Is this correct?
If this is the case then the current state looks good to me, we really arent paying any workers other than funding a pool to use to pay for UIA fees so that people can use assest without paying high fees, which seems liek a fine idea.