Tokenomics, what a headache

I'd be be grateful to bounce some ideas off a couple of you.

I've a platform that deals with construction projects. I'm at a point of developing a usecase for the token.

My idea: Subscription

Step one: The only way users can organically gain the token is by lending money though a P2P system to projects on the marketplace. This should incentivise lending.

Step two: users can either sell that token on an exchange or use it to gain benefits from the platform.

Step three: users pay for the platform monthly subscription to gain access to lower platform fees and tools to improve the platform.

The only way to pay for this subscription is with the token.

A four tire system.

Basic: free -Standard access, fees, and platform functions.

Silver tire: paid 25% discount to transaction fees. -Access to ai project milestone generation.

Gold tire: paid -75% transaction fee reduction. -Ai Project milestone generation. -Project tracking functionality.

Business class. A fiat paid subscription for large businesses that gain access to all platform functions without having to deal with cryptocurrency subscriptions.

I've been working out fractionalisation, inflation, burning etc... I don't what governance though tokens either.

Anywhoo, any thoughts?