one of my points is we need to enable fans to pay musicians directly for music without a middleman taking most of it
I am not sure if I understand correctly what is required for such operation on logistic level, but isn't it one of the main problems with facilitating such payment schemes - and I think smooth pointed this out in one of the discussions you had with him - that the fans need to buy/obtain the digital currency in the first place.
I am not sure who pointed that out, when I first thought of it too, and whom was first, but yes I envision that being one of the issues in that the unbanked can't pay online with fiat credit cards they don't have and nobody (banked or otherwise) is going to want to convert fiat to crypto to go buy music! (no way!) To target the 5% who are able and willing to pay online for music (subscription or per download song/album), then not only entering a crowded market (e.g. BandCamp, iTunes, Amazon, Google Play Music, Spotify, soon SoundCloud). And note the attrition that is likely when people have to decide to pay by credit card if there is not a very compelling reason for them to. But that is all those providers can do (and they collectively probably cover most of the opportunities for selling music via credit cards online, except for something that would be at a different scale of integration and cross-pollination that hasn't been attempted by those business models), because they aren't going to try to do something more ambitious such as integrate a crypto currency (or other integration) into their plans.
I would imagine to facilitate the FIAT-crypto exchange you need a serious centralized operation that complies with money laundering and other financial, data protection, etc. regulations. Ideally, the exchange should be a very easy one click process, otherwise the fans won't bother with the micro-payments.
No one will get any headway whatsoever if they are depending on the masses doing fiat to crypto exchange. That is DOA. Speculators will, but the masses won't. Those are basic parameters that any plan has to be recognize.
I urge you to move discussions like this private messages. You are gettting dangerously close to where I will not respond because too close to discussing my plans in public. Note I agreed with you what is not plausible, and I didn't detail to you what I think may be possible.
Edit: btw crypto really needs decentralized exchange for the speculators so as to sidestep all the regulation and also to stop corruption and even P&D collusion of centralized exchanges (but again FX is not for users of crypto currency except those who have some non-mainstream compelling reason to do so).