I really don't think 5 XCP is a big price to a serious issuance now. the problem is just that it is burnt. However, even there will be 10k assets, 50k XCP is still a small part of 2.6M. Moreover, the fee can be reduced later when XCP appreciate a lot.
Please don't low the fee too much and otherwise there will be a lot of rubbish asset names.
True, 5 XCP isn't painful, and I don't even think the burning is a problem -- with fees to be determined by PoS, there should be an ever-decreasing fee schedule along with the decreasing available supply.
What's missing in that approach is the flexibility of claiming an asset. Imagine a company being liquidated, its XCP holdings one of the assets freed when the shares are called back. In bankruptcy that could be used to cover debts. Alternatively, locking the starting funds could allow a business to transition from shareholder-owned to employee-owned.
Assume a sizeable amount of startup funds are used as the asset creation fee. With those funds locked up, the business has to either acquire additional funding or perform to build itself up. As the business grows, it can start to buy back shares and either call back outstanding issues to free up locked funds, or employees of the business can obtain those shares and opt to call them back as needed. This would be much like a retirement fund.
Insurance funds can be similarly structured such that each policy issued has funds locked and instantaneously auditable. None of these potentials would be realistic with burning as a means of asset issuance.
