We don't dictate how it's formed. Everyone gets to make their own decisions. Many of the projects are holding back 10% of tokens for themselves. That's not an absurd amount for projects that take a lot of time and energy.

The fact that there is an incentive for the creators is what helps this thing spread and grow steem. If there's no personal incentive then where's the reason to grow steem? So, that 20 accounts iwth 90% of the steem can grow rich? This let's every community get empowered to grow themselves and this whole chain.