How hard would it be to do direct bank withdrawal? Like governments and taxation firms often do?

There has to be something else relatively easy to use that customers can use to electronically pay stream without these knuckleheads in the middle.

The pay rate of the lowest paid worker of any company or institution should be somehow legally and directly tied to the pay rate of the highest paid executive.

If the executive wants to make more money and gets a raise, then so do the workers.