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"Choosing" not to pay $150 a month and going with something like CCBill, is a very different from not being able to afford the service. But just because you can open a program for free, doesn't mean you should or can really afford to do it.
Why would the Affiliate ever want to promote someone that 'can't afford' $150 a month?
How are you going to pay visa fees, domains, hosting, buy content and get it into order, and get webmasters, provide galleries, promos, bannners, etc.. and lets not forget proper password protection? And still... make a site that converts, deal with support, affiliates, etc..
If you can't "afford" $150 a month - YOU SHOULD NOT open or be running an affiliate program.
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