It involves a platform (third party)
~snip
Obviously, the most important design choice is the addition of a third party to the system, namely the platform itself, which naturally raises questions on "trust".
Ok, so not a troll at all indeed, but
Rather than trusting an unknown 3rd party with no reputation and no way to force him to obbery customer protection laws in your country with hundred of dolalrs all in order to avoid paying 10 cents for a tx most would rather use a credit card and a bank.

Second
((1) to (11) not going to quote the entire process
This is too damn well written for a real newbie

Please move the topic to
Project Development as you're going to get far better feedback than here.
I remember the discussions about _ANYONECANPAY when Lighthouse was being developed but ironic, that hit scaling problems too.