Companies pay 30% of an employee's salary to strealine their hiring efforts - doesn't seem far fetch to me to expand that payment pattern to a consumer level wh

Companies pay 30% of an employee's salary to strealine their hiring efforts - doesn't seem far fetch to me to expand that payment pattern to a consumer level where one is paying 30% on transactions and in return receiving a streamlined process for discovering, managing and reversing them through a centralized gateway. Again, not that I agree with this...just playing devil's advocate here. I don't want to pay 30% on any transactions!