Well, if you get a percentage of the earnings of anyone you refer, then it could be gamed by creating tons of fake accounts that continue curating and/or post just to make that tidbit for the referrer. If someone created a lot of these accounts, they could make enough to make it worthwhile.
Would it be worth it? No clue... just possible. No matter what is done, however, someone's always finding a way to game it. I love the idea and hope it comes through soon.
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Yes, beneficiary only works on post and comment rewards. And if someone creates a lot of accounts, earns through making post/comment which means they bringing value, because people rewarding their contribution. You are right about nature of humans :)