Problem:  DW needs to make money to run!  And we want to have more  
than just paid accounts to make people want to give us money.  Small  
impulse purchases are especially awesome, but small money amounts are  
disproportionately eaten by fees.  So, for instance, if we sell $1 v- 
gifts?  We only get 67 cents if someone buys just one, because there  
is a 2.7% + 30 cent fee for the transaction.  That is sad and a waste.

Possible solution: We implement a (nonrefundable) points system.  It's  
a lot more flexible than the gift certificate system.  Points are  
bought in bulk, but can be used on tiny purchases that would otherwise  
be awkward to offer for payment.  Additionally, points purchases could  
probably go down to as low as $5 if they are scaled down so there are  
less points proportionally at $5 than at bigger numbers like $20,  
encouraging people to get small amounts as impulse purchase without  
financially punishing us as much for the transaction fee for the  
smaller amount because the amount they're worth in the system is keyed  
to the money we get from the higher amount of money, where the fees  
are less usurious.  (That is a horrible run on sentence.)

These points would be perfect for applying to things like v-gifts,  
generating journal PDFs, mass editing securities, or renaming a  
journal.  You could get paid journal time for them.

These points could be transferrable--you could donate points to other  
users in any amount, enabling a micropayment system between users.   
Community users could donate towards having their community get a paid  
account, for instance.  (Hopefully paid communities will get more  
extra community oriented perks -- see 
http://dreamwidth.cometheapocalypse.com/notes/Possible_paid_community_features 
  for ideas).  Communities could run contests and pay out in points.   
It helps spur a gift economy between users--they may not want to drop  
$10 or $20 on another person for a paid account, but they might be  
willing to drop 50 cents or $1 worth of points easily.

So: good idea, bad idea, unrealistic?

--foxfirefey
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