Hi @rycharde thanks for your thoughts. I just checked {your post}( https://steemit.com/steem/@rycharde/we-are-all-bankers-here) you showed some interesting points about the "coin flow" and economics of the current Steem system. Your view is very focused on the financial incentive side of Steem. 
I don't agree, that my view of an "infrastructure Steem coin" and your view of "central banking coin" are the same. But I think my suggestion would bring more clarity about the purpose of Steem as a Coin, that enables you to perform transaction on the Blockchain, and Vote for Witnesses and Communities, that keeps this place thriving. Without having the confusing discussion about POB mechanism to discover and create content.
Rather than having Steem as a "Bank Account" where you earn "interest" and earn "rewards for low quality content". The incentive would be more like, to hold Steempower because your Community is thriving with new users, and therefore you need more Ressource Credits for your Dapp to perform transactions on the Blockchain. Another aspect is that if Dapps hold large amounts of Steempower they will still get some portion of the Reward Pool and generate an income stream to empower their SMT Token and Users.