That novelty band, Presidents of the United States of America, already has a streaming music app: http://arstechnica.com/apple/news/2009/02/bands-bypass-itunes-by-streaming-music-through-iphone-apps.ars
The Presidents of the United States of America isn't a novelty band.
Most fans don't care about where their money goes; have no inclination to design artwork for you; and might be a little confused about why your app wants their credit card number.
Most fans. Nine Inch Nails fans are not most fans.
If in any problem you find yourself doing an immense amount of work, the answer can be obtained by simple inspection.