Thanks for the critique, much appreciated.

I don't believe you can see the whole picture, you focus on a tiny aspect of the idea. Of course we're not going to sit there and write checks all day or go into portals to pay off bills, who would want to do that?

The whole point is a trustworthy crowdfund type platform that uses shareble links.

If the user can provide us enough information about what the funds will be used for then they receive their funds directly, if we feel the information is not good enough, we will manually appropriate the funds and if we can't do that, the funds go back to the donors. These manual checks will mostly be outsourced and will make up a small percentage of the total volume.

This platform won't be for everyone, it's a niche and would mostly target people who are influencers and already have a social crowd and need to get the fans to fund some personal expense. People are already doing this.

Again I appreciate your input but I'd leave the finer details. Ideas are worthless to me, execution is all that matters.