Hosting is not cheap and we don't have a ton of money right now to host stuff at a loss. We plan to drop this to 5% in the near future if we won't lose money by doing so.
If hosting is an issue, create monthly plans based on usage or additional features. That's your value, that's where the business cost is, so that's what users are paying for. You aren't a payments company, so don't make your money on payments.
Are you encrypting the files on your storage servers in case you're subpoenaed?
How can I verify the file is what is described, before I pay for it?