Not a whole other currency, you didn't read what I said. It would basically be the shark card system. You would buy a "Bearer bond" and it would automatically just give you in game money, just like a shark card. Then you just throw the gold system out the window, and pretend it never existed. Not more convoluted, simplified.

You say no one will buy anything since there isn't anything in game to purchase. Well they wont make more content if they don't make more money, it's the Chicken and the Egg dilemma. Can't make more money because there's no content, can't make more content because they don't make more money.

If they change the system to be more like GTA Online, it will generate more money, and they will generate more content. It's supply and demand.