Wouldn't it be better to use SCTP than to reinventing it at a higher layer?

You could put in 10$, play the beta, then take out those 10$ again. You don't have to buy anything. If you die your money stays. And you may find money in the game. I wouldn't complain...

I just hope it's not required in the final version to put in money since that would stop many players from playing.