On not being able to spend your rewards, I don't really think Hive is going to go up significantly, but I would help you out. Did you know you could buy web-hosting with Hive Dollars? Check out https://privex.io. There are also crypto-currency people on Hive.Blog, SteemIt, and BitcoinTalk who want to earn it. I count myself in that group.
Anyone who has millions of Hive I see as an insane person I respect. We have seen how blockchain can also have its own bail-ins. With Proof of Work coins, it seems it should be less of a problem, though. Even so, I still would work for Hive Dollars (that I'll convert to something else)