Conversely, passive investors contribute little to the actual ecosystem and perhaps shouldn't be rewarded. In fact, perhaps passive investors and holders of the currency should simply sell off now.
I mean right now might be the best chance they get to secure a relatively respectable ROI if the price continues to decline. Certainly they aren't really helping to make the ecosystem a better place. The activity level seems more correlated with the price than ever before.
One of the benefits of a massive selloff and crash would allow for the redistribution of wealth to new individuals and potentially folks that actually care about the ecosystem than people that want to milk it.
Looking to cater to those seeking riches simply degrades the quality of product. I want Steem to become less profitable so the investors and wannabe entrepreneurs look somewhere else to make their quick buck and advertise because that's simply garbage content and my list of interesting authors is shrinking rather quickly.
Those people are leaving and this place will be a barren wasteland without them to prop up the value proposition of the platform. Banks and financial institutions won't really mean anything on a blockchain filled with spam and other unappealing ugliness.