PeerTube is a project that already exists and fits some of those qualifications. Not certain if it quite meets all of your specifications, as I don't believe it has direct integration for payment processing. Most streamers, however, take third-party payment anyway, like Streamlabs, that give a much larger percentage to the creator compared to Twitch or YouTube. I am also not certain how easy it is to set up PeerTube.

It is a decentralized platform that supports not only direct streaming from a server, but also is federated and supports P2P streaming for popular videos to reduce server load. There was also a successful donation campaign that occurred in order to create a much better mobile app.

I see your vision, but the greatest cost to streaming like this is the hardware, not the software. It is very expensive to run a livestream, and putting that cost on the streamer itself is not feasible for the vast majority of the people making that content. The only reason they make it is that it is relatively convenient to do so. Who knows, a video or stream might hit the algorithm and get a lot of views. If Twitch or YouTube started to charge people money to stream, there would be significantly fewer streamers. If you could somehow make this service for free, then you would still face competition from the sheer size of these platforms. Most people visit only a couple of websites, and if they don't see a streamer online, they will just click on another one that is. That is a big problem with the modern internet as a whole. All I can hope is these platforms have some major accident that people actually wake up and demand for an alternative. Literally any competition would be nice.

All that is to say, I hope I don't demotivate you. I hope that eventually, when people wake up to how bad big tech is, there will be alternatives that they can go to. Good luck if you end up deciding to take this on.