I had only skimmed on this one, wasn't going to support it as i think it might not work, but since you mentioned a refund policy and the numbers are large enough to at least try (and you mentioned splitting in pieces to decentralize), in the near future the strength would be to keep it down, i doubt that you can but it might work, or else only a change in the code / inflation probably.
Speaking without much technical or economical knowledge.
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if you look at the latest post https://steemit.com/sbdpotato/@sbdpotato/sbd-potato-2020-01-21-11579645250790 we have already converted 20K SBD and this figure grows exponentially every day.