Honest question: have you ever run a business? You're talking about setting up millions of accounts to pay them $.02 or $.20 or even $2.00. ACH payments cost an average of $.29/each https://gocardless.com/en-us/guides/ach/ach-fees-how-much-do...

You're dealing with a bunch of people who will try to rip you off, so you need to have anti-fraud protections. Then you need to be able to override the anti-fraud protections because Alex, Alex and Bob, Alex, Bob, and Curt, etc. are all legit performers who want the payments to go to one common bank account even though you'd like one act == one bank account. Etc.