I just did a search for 'Account Creation Token' - I have claimed tokens on my account, because someone told me it's a good thing to do - and came across your post. I was trying to understand why I would need 10 accounts for instance - or if I keep claiming tokens, 100 - and what would I use them for. Will keep hunting that answer, to know if it is really worth continuing to click claim token.
That said, I got caught up in your post. It was really a very interesting idea. You're right, HIVE is hard - some of it is intuitive, but I had to search for a lot of stuff and look at some youtube tutorials. If an account starts at -10 HIVE, it makes no difference to them - and by getting out of debt, it adds a lot of value to each hive earned. I'm on board this plan.