Excellent post regarding the pros and cons of HF20. I completely agree with your argument of straying away from the mining concept to create accounts since not everyone knows how to mine. One solution is through the account creation process, there could be a link to set up a mining account, with step by step instructions for how to do it. Or there could be "witness" miners where they are mining the tokens then distributing them out to new users then they get rewarded. There still needs to be some more thought to it but I agree it's need to be an easy process and one that's manageable to millions of users going forward.