The excuse of it's to complicate to create a LEO account simply doesn't work anymore, as almost anyone seeing leofinance being shilled on twitter by many of us, or getting shilled on any other social media platform, or even through face to face without masks interactions, can create an account in minutes and no need to worry about keys and so on.
I was reading a post a few minutes ago about the leofinance twitter account advertising on twitter the possibility of earning $12 with a simple comment on leofinance, that being mostly attributed to 
The situation was somehow compared with the good old days of Steem when some were able to even score thousands of dollars for one comment. I guess SBD was at way over $10 back then and such payouts might have probably been the result of circle jerking. It's not important though... what's important is that such comments have really existed, and I guess
STEEM will become harder and harder to earn is what 
I disagreed back then and still disagree with him. It's pointless to even talk anymore about Steem, but on Hive, I don't see earning HIVE that difficult at all, if you're a clever guy or gal. You just need to choose your tribe right and you can easily earn about 300 tokens a month or more. I also strongly believe that when a flood of new users will hit us, there will also be quite a few whales among them balancing the content and curation ratio.
What about LEO though? It's one of the most successful tribes on Hive, and we can clearly see new users joining in every week, and the leo stats are the proof to back my words. Has the place become too crowdy and has LEO become too hard to earn, but most importantly, is it too late to join LEO? No, it's not and you can figure that out for yourself by simply counting new posts in one hour on leofinance. It's about 15 per hour on average and I tell you that's warm up activity.
In the beginning of 2018 when I joined Steem there were about 10-20 posts every couple of minutes and low exposure of content has indeed discouraged some fellows and made them leave the platform. I haven't, and who knows for how long I will be around here. Why am I comparing LEO with Steem, since one represents a community and the other the whole blockchain?. Well, since we're talking exponential growth for so many years, why wouldn't I...
Hence, I consider that whoever wants to become a new LEO cub has all the reasons in the world to do that. There's plenty of room to play around and get noticed, posts still have quite good exposure during a day of generated content and more important one can still work on creating his community. We're not that many and it's easy to interact and make friends. It's still early days, and we're probably many months away from where Steem was when thousand dollars posts and comments were a reality.
We'll probably have them on leofinance as well so why quit now... or why not join the revolution. Yes, maybe rewards will be sliced a bit once many more active users will be recorded in the community, but the value of the token will for sure grow exponentially higher. Think of that too, but don't think twice before creating a leofinance account. I don't know how many of my followers on twitter or publish0x will actually do that, but I hope some will, and also hope it's crystal clear it's definitely not too late to do it.
It will probably never will, but why wait for too long, and if you are a simple hiver and haven't yet used leofinance, what are you waiting for. Don't be a fool like me, do it now. Maybe you'll even score a $12 comment, and maybe such comments and posts will be worth $100 or more, once extreme fomo kicks in and crypto prices get through the roof. Don't think twice.
Thanks for attention,
Adrian