I like your ideas. A referral system.
What you've proposed sounds similar to bitshare's approach, including the buyout. I feel like I can envision what you're proposing.
I've been reading through the platform proposals lately. I think there's opportunity to marry this idea with some other ideas, kind of tie them together.
Definitely a great discussion to have going. I hope this response provides value to your efforts.
RE: Do you think this referral program idea could work for HIVE?