Micropayments have been around since the 90’s, and never taken off. At any rate, a centralised version would likely be cheaper, more efficient, easier to use, with more functionality and better customer service.
You mean like Paypal etc and how they can just ban you and take your money? + Many countries can't access to "centralised version" by default. Imagine internet being country restricted and centralized so they can just choose which country/people can access it. That would be horrible
I don’t know if a centralized payment service that’s usable for that and trustworthy, do you? Most of the services that I know of charge a fixed fee that’s ~7x higher than that, in addition to ~3%.