Savings accounts will be open without a referral shortly after the change.
So there's an unlimited amount of limited accounts? Makes perfect sense.
This is the endgame. Don't pity the fools, they were warned sufficiently.
In case you haven't noticed, there already is an unlimited amount of "limited accounts". Anyone can buy a PPT bond at GLBSE for basically as little as 1 BTC.
With this change, all the PPT businesses (assuming they'd use the trusted accounts) should be able to give more than the basic 3.9%, so the obvious point here is to limit the number of accounts and make them bigger. Not, as you are suggesting, to expand the number of accounts...