Hi les7,
I agree that the rewards have to be appropriate. You give good reasons why they can be inappropriate.
And just in case there is any remaining misunderstanding I stress that I don’t like the idea to actually give incentives “to click the button”. For me this would be an abuse of the system. What I think about are just incentives to *create* a social payment “account”. Nothing else, not more.
And I especially like your idea of eventually reducing ads in exchange for, again just “having an account”, not: clicking the button. Clicking the button must remain a completely uninfluenced decision.