One big issue I can see with your suggestion would be that commenting would trigger the 'sign in' popup box, as it requires the Active Key, since it's spending from the wallet.
(Unless I'm missing something)
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As things are right now, yes, it will trigger an active key popup, unless people are signed in with their master password.
Two thoughts.
Could it be set to apply only to steemians the author doesn't currently follow, perhaps even an automatic refund if the author likes the comment enough to follow the commenter?
That's another interesting idea. Thanks, will put it in the pile.