Again, you ate claiming that "a rational actor" is apparently only one that seeks to be edit themselves in the short term at the expense of both society and that of their own long term value. So where is your basis for making this claim of supposed "human nature"?

As for deflation - as the amount of time spent to produce an equal amount of goods decreases, the amount of goods an hour of labor can purchase increases. This is an issue if people hoard vouchers, as the future value is greater than the present, and so there's incentive not to consume current goods, and artificially decrease demand. But vouchers do not allow transfer or hoarding, unlike money.