The problem with accounts is definitely not the 3 HIVE fee. It's storing your keys.

Some people don't even know what a blockchain is.
Others are very familiar with blockchains but can't understand why on this one there are 4 keys. This is a problem.

A lite account would allow blockchain savvy people to have wallets outside of exchanges without a having a hive account with 4 keys. They could even start earning hive in our Dapps, since transfers are free.

Resource credits would be provided by someone else, probably the Dapp.