How much should startups charge?

As far as people paying that price, our thoughts are that we're a "collaborative funding" service, not just a bank, so people will be okay with paying a small cut for the service. (Except for open source: there our philosophy is "you're helping the world, so we'll help you".) We'll find out soon enough if they aren't, I guess. :-)

The economists' answer is doubtless, "what the market will bear", which is of course of no practical use. Thanks to the web, you could do some trial and error - some users get different prices, or you can run promotions, stuff like that, so you can see how people respond.