This wouldn't change the fact that new players still have no access to MCs outside of multiple (typically older) player's willingness to actually participate in Gold Room parties.
We could implement every motivational idea under the sun, but if a new player can't make their own in a server unless he brings along at least 4 ~10 friends or just an entire guild, it's going to stifle the amount and type of people that are willing to even stay on the server post day 1.
Please note that: Enchants already made MC the most valued currency on the server.
Combine that with the fact that every older player is geared and, generally speaking, currently has no reason to be in GR aside from tossing away zeny to RNGesus which said enchants already covers quite well, it effectively leaves new players SoL.
Even with a hat gambling system, it'll only appeal to a niche audience in the first place, and of those people how many of them have the MC to spend on such a thing? Probably none, as they'd not be in GR in the first place, thus no one has any MC, and everything remains standing still.
There is more than 7 trillion zeny on the server currently. And newbies have no access to any of it, nor making their own without said individuals posessing this grandeur amount of zeny bothering to lend them a hand.
Just let that last bit sink in and you start to realize why we can't hold new players for very long, not to mention the state of the economy as a whole.