Do the creators on Patreon get access to an email list of their "patreons"? Obviously they could blast out a new payment site on their YouTube channel, but I'm just curious what an exfiltration would look like.
I do think you're probably right that if Patreon oversteps and upsets their creators, those people will move to another service (and I'm sure someone will be waiting to offer the same thing cheaper).
I don't see why even Kickstarter or Gofundme couldn't offer this very service without much work. It looks like YouTube already is experimenting with paid channel subscriptions.
I think their cut is many times that of Patreon's, though.
I've seen at least one creator that I support do exactly this, moving to Ko-Fi. I followed them, but I don't think Ko-Fi publicly shows the total monthly donations a person receives, so I have no idea what the attrition rate was on the migration.
Not entirely true. Moving, as of now, involves shedding a significant fraction of your users. More people are on Patreon, because more people have been on Patreon, and they are the company more potential subscribers are familiar with.
That said, it's not a very strong network effect. Patreon seems keen to do exactly what it takes to start bleeding subscribers and creators to other platforms, for solid economic and first principles reasons.
Recently the one "creator" that I funded on the platform moved to allowing direct bank transfers. I was glad to make the change: my bank is a platform that I really am already familiar with, way more than Patreon.
And the creator did not have to belong to the same bank as me.
Taking direct bank transfers from random strangers is a good way to get your accounts closed for fraud and banned from all banks.
If just one of your supporters pays from a hacked bank account, or with North Korean/Iran etc money, your account will be marked as the receiver of stolen funds. Your bank will close the account, and they put your name on a register of people never to deal with again. They publish that register to other banks, so you'll never be able to bank anywhere with the same identity documents.
There is no route of appeal, and they can't even give you info on the supposed bad transaction(s) because that would reveal how their fraud detection works. "I'm sorry sir, we can't open you a checking account, and we aren't allowed to tell you why".
Taking money by credit/debit card protects you from that it seems - they are designed for taking money from strangers.