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PSwii60 said:
Mushroom = Bronze, which earns you 5 coins,
Flower = Silver, which earns you 10 coins,
Stars = Gold, which earns you 25 coins, and
Triforce = Platinum which earns you 50 coins

Earning coins to let you earn extra items, levels, character(s), etc within a game. Maybe even access to DLC's, or at the very least access to the rewards on Club Nintendo catalog.
It has to be a two-step requirement process. You only earn Mushrooms for extra items, suits, skins, etc within a game. You earn Flowers for extra levels, extra endings, etc within a game. You earn enough Stars to get access to DLC's, and enough Platinum to get access to Club Nintendo.

For example, a DLC cost about 500 coins. You have one person who has 100 games and have earned 1 Mushroom for each which equals to 500 coins versus somebody who has 20 games but have earned 1 Star for each who also earned 500 coins. This said DLC requires at least 15 Stars in order for you to purchase this said DLC. The person who only earned all the Mushroom achievement won't have access to it.

I would imagine, they would have to set the access to Club Nintendo pretty steep

I really like this system!!  It seems as if you really put some thought into this.  Great job !!