Hey, I agree on 1 and 2! Could you give a bit more context on 3:

[...]it would be very interesting to run the same analysis again once HF.20 is up (immediate approval) [...]

I didn't follow HF20 developments very closely. I know there will be a discounted account creation option, basically removing account creations with delegation and making regular account creation "cheaper". How does that affect signups via steemit.com? Why would they / how will they approve new accounts immediately?