Your mind is exquisite. This ticks so many boxes, and solves so many problems, in such an easily understood way. I love it.
Just need to make account creation tokens transferrable at some point, and you have more utility for HP.
You know how you got your account on credit, and had to learn about keys and stuff, to get back in the black and take full ownership? Well, if you have more than n HP staked, you can make an account creation token yourself, every 5 days, and we'll buy it off you to onboard somebody new.
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