It's a good idea, But how would it scale, As in, Like, Some of the GM's have been here since the start of Toribash, And Most of them have upwards of a Million Tc. It would only matter to new players and within a year, 5k isn't much if You're seriously playing the game. Or even slightly into marketing.
basically, My comment is, How would it scale, Each year Add 5k? That would be pretty cool, But You'd have all these dead accounts laying around just collecting Tc Until ten years from now they come back and have 50+K.
And I agree with Toaster, It'd be abused way too much. But It's a good idea. Even if it didn't Transfer the 5k For the first year, At that year, Within one day I could easily make 1000 accounts. Most likely way more. So At the end of the year when all the accounts get the 5k I could just Make them all shared banks to my main, And Transfer the tc without even logging on to them.