Is inflation returned to the people forced to pay it?
If the government "print" new money to create more roads or to give healthcare and this cause inflation is that so unfair?
Only if you consider that you are entitle to a part of the economy, only because you have savings, nevertheless the needs of the society where you live.
I said no such thing.
If you don't want to pay that 2% a year, don't accept payment in dollars, or immediately convert it to another store of wealth upon receipt.
should all families who borrowed for a house be forced to pay those who chose to save?
Not if the price of living increases at a greater rate than the rate of return it doesn't. Which, as you would know, it is doing.
Not really, because lenders factor inflation into their rates.
Inflation is pretty stable and thus predictable. The profits from seigniorage are made by the Fed itself (and thus the government), not the member banks. Member banks can make money from having privileged access to the discount window, but that's still not seigniorage.
Coinbase, Bitpay, et. al. incur all the same kinds of costs as VISA, MasterCard, Paypal, et. al. on top of the Miners' power consumption. Traditional systems might be inefficient because they're running on old hardware or something, but that's a problem that can be fixed. Bitcoin mining is already done on bleeding edge hardware, so its power consumption cannot be significantly reduced. I suspect it isn't enough to be a major concern, but Bitcoin clearly has a higher lower-bound than traditional systems.