Let me see if I understand this...

We want to make it easy, and with no upfront fee, for new people to join Hive.
Now, we need to get them an account creation token, which costs RC to produce, and then we need to get them some RC so they can do things on Hive since things cost RC to do.
But RC isn't transferrable, so we can't give them to a pool or to new accounts.

I think we can't give account creation tokens either, but we can make them available for others to use.
Is there a way to pool account creation tokens? Maybe have a service similar to the account creation services already out there, but drawing from a pool of account creation tokens. There could also be an HP pool to delegate to new accounts so they have some RC. The new accounts auto-benefit the pool at 3% or whatever rate the pool sets.

Just a thought experiment on my part, to see if I understand the problem and possible solutions. I can see that this would be much easier if RCs were transferrable! Makes sense and I like your idea, @ash :)