Extra SURF incentive when returning WAVES to SC

As I’ve said before, you must incentivize restoring the WAVES collateral. It is impossible to solve the problem long-term if WAVES only come out of the smart contract and never go in. But I am going to propose a new way to do it.

Give a 3% bonus in SURF when someone returns WAVES either through WAVES->SURF swaps or WAVES->USDN swaps.
For example:
(1) Someone can currently swap 100 WAVES for 4547 SURF. Instead, give a 3% bonus (4547 x 1.03 = 4683 SURF).
(2) Someone can currently swap 100 WAVES for 440 USDN. Instead, give a 3% bonus in SURF (440 USDN & 136 SURF).

Furthermore, since SURF is a bond, the SURF that are staked earliest should have the earliest “maturity date.” Thus investors would have greater urgency to get SURF first, rather than waiting for others to buy and jumping on the bandwagon.