I think one of the important things you brought up here @ecoinstant is that this entire system is more adjustable and flexible than most people believe. Part of what you said here also brings to mind something else I keep thinking about: "Investing" in Steem — aka "holding some Steem coins"* — always seems to be automatically associated with being ACTIVE in one of the Steem front ends.
I think people put a lot of misplaced emphasis on this notion that investing is synonymous with creating income, but the vast majority of conventional investing actually consists of someone buying an asset and simply holding it passively for five years, in expectation of capital appreciation. And so, not everyone needs their own account, AND people simply holding Steem for the long term effectively help drive the price up by reducing active circulating supply.
=^..^=