First, it isn't true that only a few accounts decide where DHF funds go
I just skimmed through the voters on the active proposals and many of them are there because of votes from less than 10 accounts. Some of them might be there anyway due to attracting lots of smaller votes. I don't really have full data on the decentralisation of the proposal voting - I might add it to Hive Alive when I get time.
It's certainly true that my perception of the worker pool is based on information from earlier in Hive's journey - at that time it was exactly as I described, nothing got in without a small number of whales voting for it.