What if formally incorporating your business is a prerequisite for getting real user feedback (i.e. feedback that's not from friends and family)?

Like accepting credit card payments to a merchant bank account from real customers, or setting up an iOS developer account for a premium app to accept payments from Apple?

One of the pieces of advice YC gives to startups struggling to find direction is to "charge users for something". Surely you can't do this unless you're properly setup to accept payments. I suppose you could accept payments into a personal bank account and incorporate later, but most tax authorities would frown heavily on that.