I can imagine something a lot simpler: ask employees the cadence at which they want to be paid out (daily, weekly, bimonthly, monthly) as allowed by law and pay

I can imagine something a lot simpler: ask employees the cadence at which they want to be paid out (daily, weekly, bimonthly, monthly) as allowed by law and pay them that way. Yes, more bank transactions will cost the business more. That might be something the employee will have to pay for, or it might be something that governments require businesses to eat the cost on.