www.nscash.com does none of the things you have mentioned so far...in fact, they are some of the more honest people in the biz and have never really had any drama related to them
I don't like it when programs put the min payout at something like $100...then I send a couple joins and figure out that it sucks...so I basically lost money because I had $60 instead of $100...and if I tried an adwords campaign or some shit, I lost even more money