All you're doing is proving my point. The banks and government should not be getting $0.27 cents! That defies the whole definition of the word "micropayment". A micropayment has to be workable at less than $0.01, otherwise it's not a micropayment system.

Basically, your whole argument is "it can't be done within the status quo". No shit, sherlock. If it could be done, someone would have done it already. That's why the status quo has to be changed.