1) Anyone even peripherally involved with transaction processing as a business rather than a hobby will take you aside privately and say "Look, you need to charge more." It is incredibly difficult to make money taking 0.5% to 1% of transactions as your margin and then paying your expenses out of it -- you need flowing rivers of cash to make a living that way, and they (sadly) do not occur spontaneously. One engineer will cost you $400k a month in transactions. (There exist many examples of HN-launched/YC businesses which did not know this on launch day. If you keep an eye on them, they universally accede to reality and bump their fee or they fail catastrophically.)
2) You seem to be of the impression that people choose bootstrapping sites based on fees or that this is their primary value proposition. Bootstrapping sites are like mobile platforms: they charge for access to a built-in audience who demonstrably pay money for things. Kickstarter has this. Apple has this. You don't.
3) The people you successfully lure from Kickstarter will not be the folks who are going to make $X,000 videos to promote their products which go on to sell $10 million. These folks, who are clueful, are going to choose based on network effects. The customers, and I use that term loosely because most won't actually pay you a penny, that you will successfully recruit are going to be pathological customers terrified of someone making an entire $3 off of the $30 they're going to raise. You will not successfully support a business on them. They'll give you lots of headaches when you try.