I think the friction of getting started, both as creator and as contributor is still too high. I created a proof of concept site about this as well (https://news.ycombinator.com/item?id=20448087), but I don't think that's an ideal solution either, just maybe a little easier to get started. Any feedback is welcome, of course.

There will be thousands of startups rushing to fill the gap.

Force banks to accept micro-payments (In 2019, for God's sake! That's not rocket science! That's a database transaction!) and I'd be fine with it.