I think tipjoys major problem was simply not being integrated in the platforms they were targeting, not that they did not please their users enough. You have to go through all the gates to score, not a subset of them.

And not having enough users is just as much a reason for failure as having dissatisfied ones.

The market is ready alright, it's just that as a third party add on offering a payment service you have to cross one more hurdle.

I'm pretty sure if the tipjoy principle would be implemented from within the network that it would be an instant smash hit.