Although I agree an Hive account is worth more than 5 HBD, I believe we should keep it for free. Perhaps we can say when a person has received there first 100 Hive in rewards, (or any amount) they can pay 5 HBD, that can then be used for some nice project!!
Upfront payment would most probably reduce users streaming to Hive. People are already sceptical.
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If they can use Hive via their Twitter account, they still have access until they earn the HBD to pay for the account.
At some point, people need to realize that these are valuable. And that is the approach we should take.
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This approach would also allow users to get familiar with the ins and outs of Hive before being given their account keys. It might help the user better understand what those keys are for if they have now spent some time using hive.