I don't pretend to fully understand the economics of Steem, but I can see what you mean there. If 20SP is an average account, then what will Steem have to be worth to make it attractive? We early adopters could be sitting very pretty. I also get that some people say we need investors buying up Steem to push the price up and make it more attractive. There is some balance required. Something has to happen to bring the masses to Steem as it has yet to happen in the last 3 years.