So the monthly fees are not there to turn this into a profitable business but to get rid of existing hosted accounts? Cause that price tag sure is too high for a sustainable business.

Maybe as an incentive to get people to pay high monthly fees, make the max received amount equal to the monthly fee. If people don't want to receive big zaps, let them have a cheap account and those who want to show off as playing in a different league, pay much more than even the 21k?