Why not use the Bitcoin Lightning Network? It allows faster transactions then MobileCoin and much better privacy than on-chain Bitcoin. Privacy doesn't match Monero, but will undoubtedly improve over time.

Clearly this would prevent the "get rich from pre-mine" benefit, but also remove 99% of the criticisms related to greed, centralization, geographic limitations, etc.

I don't see how MobileCoin can be censorship-resistant, neutral or permissionless in the long run. Are those goals of the project?