Well, in all honesty, youtube does a lot more than "handle payments" - it actually serves those videos, it finds advertisers and collects money, matches content

Well, in all honesty, youtube does a lot more than "handle payments" - it actually serves those videos, it finds advertisers and collects money, matches content with ads. You can argue how well it does the job (especially at the last bullet point) but it should be obvious that it does do in fact more than just "collect money".