There's also the difference between getting a lump sum of money and getting an income stream. IRL, $30K will get you about a day's pay every month in interest. About twenty of those will set the average American free from the need to work for a living.
My idea would lead to the interest being calculated per day/week. This means they will get the money at that time, and not over a longer period.
So the interest will be calculated with whatever is in their bank account at that time, and deposited in.
This would lead the game to having an income stream.
But, the deeper we get into this, the less secure I feel about having money for free (wintertime) - as this wouldn't add value to the game.
However, if the global currency starts at $1000000, and there are 10 players, this money would need to be split evenly between companies and players.
If more players start the game, more money needs to be added to this global repository.
In my mind, this 'free money' would do just that. So the user would be added to the game with a set amount of money, and interest will take care of the rest.