Very good article. I completely agree with you and I like your proposed idea of making account creation decentralized. One thing is for sure: The process has to be as non-technical as possible so the average Joe can just sign up and get going. To get involved with the more technical aspects should be up to the user. If it is forced upon everyone it will just hinder growth.
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Very true. Less technical equals more simple equals a better system for all. still very wary Days though.