I'm looking forward to seeing what #projectblank brings to the table with leofinance.
I think the answer is a "vanilla" hive where you sign up with email and everything is super basic and you "unlock" things as you progress. Once you get to a certain point you can access full custody of your account with keys if you so choose.
Basically you can start off with a generated account name of random characters but have a "display" name used on front ends.
I just can't get behind huge pushes for more users without a more simplified and intuitive onboarding process.