I just brought up this subject because I was looking at the fees and thought to myself "this is triple the amount it cost me to set up my offline business".

20K is not that big of an investment for the U.S folks.

but...

20K is an insane amount of money in some countries, which does not mean you are broke, it's just where you live.

I don't mind Brendan and the other guys charging 20k to 50k or whatever for their services.
I actually mailed Brendan and said the price is no problem, as long as there is a guarantee for return. ;D

Haven't heard back from him yet though.