Lite accounts can a game changer for hive to be used as a currency... However, the cryptocurrency market is very fast, here comes ethereum 2.0 that promises to lower fees and bitcoin is digital gold so people don't care about fees.
I will create a free wallet for you if you pay me $10-$30 a transaction.
At least they can receive the coins in those wallets. I hope that the vision of the hive community is to be a currency used by more people.
It looks like the hive keychain extension will add an option to create a hive account.