RE: State of Onboarding: Increased Account Demand vs. Limited Resources

No mention at all of the fact you automatically set yourself as a beneficiary on all new accounts you create. Are you not making enough commission to cover the extra cost? If not, might I suggest you give your new-sign-ups some delegated SP. No new account can do anything more than one post before they get the dreaded message appear. Then they have to wait to get paid on their intro-post (less your commission) and by this time, they've got bored.
The whole process of account opening is still flawed, especially with new users being shadow taxed.