These are great thoughts to think about in the future. I suspect that communities will surely become an important part of the ecosystem as they create accounts for new users with the new capabilities hiven since Hard Fork 20. They would probably give more bandwidth to these accounts so they could perform transactions while they onboard. I would require users to go through some tutorials to get RC delegations though so that they are aware of how the system works. I personally also have an excess amount as well and think that many that do would consider doing something similar as adoption increases. The idea of having an inverse relationship between the price of Steem and cost of RC use is good and given that this is a witness determination is at least good news because it can be implemented or adjusted quicker.