Why smaller-than-traditional consumer payments fail: "The function of prices is to let the shopper map personal resources (budget) to personal values (unique and not directly observable). This entails a significant mental cost." http://www.fon.hum.uva.nl/rob/Courses/InformationInSpeech/CDROM/Literature/LOTwinterschool2006/szabo.best.vwh.net/micropayments.html … https://unenumerated.blogspot.com/2015/10/minimizing-consumer-worry.html …
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Those are all incidental features of how such software is unfortunately typically written though. In principle we can do this with privately controlled p2p software rather than SaaS. The harder problems, as you suggested are in easily and reliably specifying and executing intent.
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