Seems like "light accounts" concept. Many variations were already discussed. I'm afraid your idea wouldn't scale (also have some other issues related to namespace and costs). Some of those ideas can be used completely off-chain, keeping things temporarily centralized (in the hands of a service provider) until user decides to dive-in into Hive.
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I don't see a scaling Issue. In general, it would allow "unlimited" names. If an app would use a prefix tag:
app.name
Example: leo.bob
peakd.bob
and so on, it would allow making wallets cheaper because name squatting would be "useless" and only makes sense for the "premium" wallets without a prefix title.
I think it would be perfect for apps or games that want to onboard thousands.
Because of the fee + limitation of stages, it wouldn't end up in spam IMO.
it can also work as a Pool and a "prefix/ suffix wallet privilege" can use that pool of Tickets for onboarding for some fee.
It would support Apps that want to grow on Hive.
About costs, I can't say anything about it. I have no idea how much it would cost to allow are more easy wallet creation onchain.
@gtg thank you for giving it a look :)