Just look at ?bookkeeping spam on drug wars posts and you can clearly see that some folks will probably never get their money back especially since theres a limited pool of Steemians and new folks arent coming in with prices so low...
The bookkeeping bot doesn't factor in dilution, and at 8.5%+ a day, their break-even time frames are going to be far far longer (5x-20x longer potentially). Now with recent change, even longer.
Dilution is only > 8% in the case of accounts that spent more money than they should have. My dilution is far lower than that.
The less money you put in the less dilution applies.
Depending how much you spent, determines how far out your break-even point is. Because higher upgrades are exponentially more expensive with only minor improvements, upgrades will require much longer to breakeven.
With the recent change (and future ones I predict will be coming soon) to rewards, it will take a lot longer for most people. A lot of people will never break-even, even if they don't spend a lot depending on when they sign up and how many people sign up after them.