I personally think the barrier to entry is still high for the payee/payer. But it seems like a solvable problem. Probably some browser extension that can help trigger the transaction when you navigate to a compliant site.
When you start paying with micro transactions for content like a blog post or a medium article, you quickly trip over burdensome creditcard fees.
1. Decentralized - one way 2. Wikipedia style - centralized and non profit.
With credit system, anyone can buy them in excess and utilize it for years.
I wanted to try my hand at something else than software.