This probably has been suggested and denied, just hear me out. What if you could convert cheese to cheese coins.
It would be 3 cheese to 2 coins, so it's not a 1 - 1 ratio. It's a little drawback to the person who is converting the cheese coins, to trade to other people. So, I don't find this unbalanced in any way.

This has been suggested in the past although I do not have a current link. Perhaps someone after me can add the link to this suggestion.

The ratio could even be 2 cheese to 1 coin. I think it needs to have some sort of penalty for players who want to trade their cheese.

Also if the thread is over a year old, the people who commented might not even play anymore. I think that it would be a little outdated, even though a similar thread is counted as "spam".