A couple of my heuristics

1. Running a smaller business takes the same amount of work as running a bigger one.

2. A running a failing business takes more of the owner’s energy than running a successful one.

This thread exemplifies at least one of them because if the plan was a bigger business, you would not be spending time on alternatives to Stripe.

Business ideas can be feasible but not viable. If it does not pencil out, it doe not pencil out.

> Running a smaller business takes the same amount of work as running a bigger one.

It does however, take a lot more capital to run the bigger one. From a personal perspective the opportunity cost of starting the bigger company is all the luxuries and security that cash-in-hand brings, not to mention the possibility of an even better business opportunity arising in the future.