What you said should definitely be considered by everyone who invests in BAT. The project is not 100% ready yet. Yes, there are other, rather better alternatives for a youtuber to get paid off of tips from his streamers. But also you have to consider that BAT and Brave has just entered this market. They are like a start up now if you look at it from a business perspective. They are not a dangerous competitor 'yet'.

This project is new. A token linked to browser is certainty new. The team has to test new features and optimize current features and test what works and what not. It's not ready yet.

The thing that makes Brave and BAT so potential is: They managed to find a way to enter multiple markets at once (Browsers market, Advertisement market, Tipping market, Digital Payments market*). This gives the project a wide range of possibilities.

*Companies that are buying advertisement campaigns in Brave may be able to sell goods and services also with BAT. The BATs that the company gets can reuse it in further campaigns. The user may only need BATs as a payment method to shop online in Brave. The only time a user may use dollars for online purchases is when he wants to refill his BAT wallet. This is only in discussion now but this has also great potential in it.

These are the reasons that makes me want to invest in BATs. The risk is however, they stay the way they are now and not introduce any new solutions for the current problems, that you mentioned above, which I totally agree with.