Oh I agree...On boarding is still an issue and the over complication of account keys, etc...I've always thought, account creation and growth should be gamified...
So they sign up with a lite account, and once they make a post or comment, it unlocks their posting key with a description of what that does.
Next they earn enough to 'power up or transfer' and that unlocks the active key etc...
All at once is a rough thing to chew on for new people that just want to use it.