Interesting read. I agree, the opt-in component and the financial literacy are a must. When it come to onboarding, this has to be the focus, not just so people can stack on top and take Hive to the moon.

As for Hive development, it is an incredibly opportunity for almost anyone to build a second-layer experience that supports their own communities at a local level. It is hard work like any business, but the ramifications of the effort are world changing.

Edit: I only came in because of the clickbait title.