Whole chunks of my life come under the heading "it seemed like a good idea at the time".
But is there a viable 'no fees' alternative? I guess charities have to be registered etc to prevent fraud and money laundering and to keep everything above board. If the proposal is to be long term then once all the initial admin including election of officers is sorted then it should be a relatively straightforward scheme to operate. But initially as regards setting up - 'no pain no gain'; can't expect 'owt for nowt' ... and better to do things properly than try and proceed in a 'laissez faire' way which could fall flat at the first hurdle.
Best wishes
dunk
"Well they would say that ... wouldn't they!"