TL;DR: Real creator costs: Patreon 5-12% + ~2.9% + $0.30 processing (~8-15% effective), Substack 10% + Stripe, Gumroad 10% free tier, Stan Store $29-99/month flat with 0% transaction fees, Apple iOS surcharges pushing some flows past 40%. At $5,000/month sales, Stan's flat fee saves ~$500 vs percentage takes. Rule: minimise fixed fees below $300/month revenue, minimise percentages above...