Exactly. The fact that they have clearly never thought about this is proof that they never expected it to go beyond the masternode auction and quick listing. It caught on because of the ridiculous promises they made with fee's to attract users to the community, but in practice the numbers don't work. If they did sites like fiverr would dominate them by lowering their fee's.

But beyond that point, if fiverr begins to accept Cryptocurrency how does Stipend compete with their user base.

Will they pay all the hundreds of needed employees in Stipend, doubt if that will work. how will they earn the capitol to pay the obvious overhead needed with ~3% fee's?