I disagree with you but having a variety of ideas is clearly a plus ! :)
If steem were to give people the ability to make instant payments without an account then "easy come - easy go" : the kind of people you'd attract would be people that you don't need nor want, people who do not care about steem nor the community, who are just into shuffling some money (which they can anyway do in dozens other systems)
Friendly key management (using an easy to remember human handle and a password) is a big plus for steem - with this you attract "normal people", not "cryptotards". We need to attract normal people, not crypto enthusiasts who look for the fastest crypto payment network. If we go into quick generation of key pairs we are actually regressing, not progressing
Yeah, but these "crypto tards" are the ones that use massively the top chains, and then they will be the only people who will pay fees. I see it as a win-win scenario. And yet, this kind of people are here too anyway. There are a lot of people on this blockchain for the get rich quick, and some of them leave as fast as they realise that this is not possible.
My point is that we need to attract new investors, and many of them may not be okay with having a transparent traceable username on a social network to make transactions, but more of an instant key for making payments and receiving funds to it from exchanges. And since they will be using this key and the Steem blockchain, they may get tempted to finally make an account and power up some Steem, which they may have never went for in the first place on the current structure.
I appreciate any kind of opinion and criticism since it reveals potential flaws of implementing this option :)