Sure but that would be a really long and complex way to become a wallet.
IMO a wallet should have a fee, but only to protect spam. So 0,1 Hive would be enough for that. Or 0,1 HBD.
The price could maybe be a bit higher or lower. But the only method to scale on demand is pay on demand.
3 hive ( around 5$) is too much for a dapp to pay.
Pools will never happen, Blocktrades and others are against that because that would give account creation tokens a price tag. A long time ago it was a reply from him to some of my comments.