AZ: I don’t think point #2 is true:
Parents are desperate even at 18-19, so if they have money they will go to the shaddchan that charges at that point, and the system will still favor those who have money over those who don’t.
I can see it happening, girls cheshboning out whether to go on date #3 since it will cost them $150 at the shaddchan.
Now if you have money, all fine and good. But if not….
I still like the kehillah based system, and yes, it will be only for a smallish kehillah and it won’t work for all, but it will work for many.