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I like your idea of crowdsourcing some or all of the 100k. Zapped you some sats.
I disagree that the territories are too expensive. They should be expensive for at least the first six months so we can see which ones actually stick because they look like they are growing or have committed founders who are willing to operate at a loss because they either believe in the future potential of the territory or SN more broadly.
Ultimately, I think we retract to around 10 territories and level off there for awhile before slowly growing again. Many territories that exist now likely become either formal or informal sub territories of other territories. For instance, recently I noticed that the fitness sub is gone and we have all been posting our 100 push up a day accountability in the health territory. The chess sub is gone and I have reached out to @needcreations_ suggesting he creates an informal sub territory via labelling posts (Chess and Games or Games and Activities) under the sports sub. It isn't perfect but helps both parties out while the early months of chaos of territories play out.