I really like the comparison between citizen and user. While I do understand the logic on you comparing Hive to early stages of countries/cities, I think the reasoning for others is that there are too few 'citizens' in Hive as it is. A family won't make a town by themselves. They will be content in planting and harvesting for their day to day. When they meet with other families, they can form a town. Those few families won't build a city, nor make amusement parks just for a few of them. When they meet more families, they will build a city. I think there needs to be a balance of facilities and citizens.
The problem is that most are out trying to meet other families with nobody left building.
This is especially true when you consider networks and hubs. The Hive "hubs" are all over Web 2.0 social media and not on hive.
I can't argue with that. A lot are still scared to take the plunge. They're just dipping their toes or going up to their ankles.