That last paragraph says it all, really. I'm not bothered which decision they make. Like you say, make it and get on with things that will make Steem more attractive and useable. If we're going to start using crypto as a currency, then everyone needs to be able to access and use it. The huge pass keys are daunting for most people. Even banks don't make things that difficult, or how would they get everybody using them? Loose your key here and you can't access your money. How many are going to take that risk? Is it any wonder only 2500 people in the entire world hold over 5000 steem so far?

And I agree with Galen; that picture with the title is so disturbing!

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