Having an access point is a requirement to participate.
The problem is exactly the negation of that statement, you don't need a node to use bitcoin, there is little incentive to run one (I am not saying that everyone should be required to run a node to use bitcoin, that would reduce the accesability of using bitcoin).
You misunderstand. I am proposing that we make it a requirement to participate, just like the access point. Then all wallets are supportive of the network and the argument about finance vs altruism is moot.