That's the scarcity model in a nutshell, and it has run its course. We won't get to a Culture style future by nickel-and-diming each other; we'll get there by developing better mechanisms of communication, fostering low-overhead group decision-making, which will allow us to collect, share, and distribute resources without having to run everything through the enervating meat-grinder that is commerce. Capitalism got us where we are, but we have to build something better if we want to go further.
The best parts of my life are already voluntary, cooperative, and social - people working together to make things better for each other. I want more of this, not less. Micropayments just drag the old way into the new. Why waste our time on that? Let's build the future we actually want to live in.