Yes, of course HIVE tokens are used to get RCs to use the Hive blockchain, but that's just the means to an end. The question here is really about why would people want to use the Hive blockchain and therefore want to get HIVE tokens and RCs.
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Yes, in addition to people I would also include companies/organizations. I could see a model where individuals hold a bare minimum HIVE and companies own the majority to allow people to use their services/product. Similar to what Splinterlands is doing.