Cool. :) Yeah, I would think that implementing it on the blockchain level would defeat the purpose of a light account because it increases the complexity on the user side of things. Especially if you want people to be able to perform financial operations and to own their own crypto, then they become their own bank, with all the security issues, complexity and required education this brings. A big part of the onboarding issue seems to be about how to manage keys and security so that you can be your own bank and keep your funds secure. I'm thinking that this knowledge of how to keep your funds secure can be gained gradually - so that the person registers with a light account on Steem that is on a traditional database (e.g. Hivemind), participates on Steem socially (but not financially), learns more and more about crypto, blockchain, keys, security, etc. over time, and when they're ready they purchase or receive a full Steem account on the blockchain. At that point they participate on Steem financially. And in the meantime, since the light account generates content by interacting socially, the person can choose where funds generated from their activity go to (just like people now choose who receives the post payout).

What do you think?