Honestly I think the answer is micropayments. Large companies should get together to fund the creation and running of a centralized payment system with no fees.

Honestly I think the answer is micropayments. Large companies should get together to fund the creation and running of a centralized payment system with no fees. They could move tiny sums of money around to developers. Apps could charge $0.05/month to $1/month to monetize themselves. The user would be given a trial period and then asked to pay. The way I see it, Google, Amazon, Walmart and others would create a small firm of about 10 people. The central processing system could probably handle real traffic with as little as 20 production servers. All tolled, the company would cost probably 10 mill a year. The benefit is that the founding companies would save in transaction fees their contribution to the new monetary commons. If Amazon didn't lose 3% to credit card purchases, they would save billions a year. At that point what is 10 mill to keep that going? Hell, if I'm off by an order of magnitude, 100 mill a year is still cheaper than the fees.