Yeah, that's another great question. At this time it is too easy to have a huge amount of RC credits. So, if it is going to create investment it seems that would have to be adjusted in my non-technical opinion.
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I would argue that the opposite should be true. Let the early adopters (that is us) benefit from the time and money we invested into Steem.
For example, say company A wants to start a tribe. They buy SP which correlates to RC so they can onboard their tribe members.
Company B also wants to start a tribe, but they do not want the upfront cost of SP. So they decide to rent from current holders of the RC - maybe from a site similar to what DLease does now.
As more companies join, more RC will be needed to onboard their users/members. Eventually, those members will not even know what Steem is, they will just know the process of their tribe and their tribe ensures that there are enough RC for its members.
My max mana is 12,486,580,072,262. Let's say I keep 1,000,000,000 for personal use (way to much). If I wanted to start my own tribe and provide RC to my members I would need more, but then I can rent out the rest to another tribe.
One thing to consider is that the cost of transactions in RC may increase as there are more users and therefore more activity on the blockchain.
Good point about the cost of RCs going up. I forget to include that aspect in my thinking