This is a big issue, the OP has it right. This is something that can be researched and solved outside of Parity - not doing so demonstrates the dependency and so for the best of the whole ecosystem, parity included, this is something that needs to come from the community, with support from parity where appropriate.
The work I’ve been doing for some time on ParaNotes - involving relay / parachain swaps and derivatives alongside external capital that is drawn down on, rather than one shot invested, is where I think we can bring something new to the party, especially with the potential afforded by XCM3 (see An XCM3 experiment - Kusama treasury account taking stake in the Kabocha parachain).
Happy to discuss separately - or we can make it a part of the next chaos sessions in 2 weeks?