I've been thinking in terms of chairs. So far we're all sorting out cooking and serving food ourselves, and organising a chair each in our own houses.
Having apps own the accounts and cycle through users, is more like a restaurant.
They take care of the cooking and serving, and own the seat.
You're assigned one, which you use as long as you're there, and is re-assigned to somebody else as soon as you leave. This is completely separate to any sort of loyalty stamp/card/deal the establishment is offering.
This puts a much higher floor on the value of accounts.
I'd rather have business owners bidding up the value of new accounts, than individuals.

NB: Steemworld.org now allows you to claim multiple account creation tokens at the same time.
I snatched 10 at once today; gotta admit it feels pretty fantastic.