I really do not understand why the existing intermediaries take such commissions? I read in white paper that it can be up to 30%. A real, routine work there for 5 minutes. For example in car insurance
This is not about you understanding it, it's about supply and demand and if they can charge so much why shouldn't they? Now when alternatives come to market things will change. Exactly, they just tend to take as much money as possible as everyone else does
We don't like when we are the sheep, but we love when sheep come to us for a haircut 
We should perceive high prices always as an opportunity for technology or solutions that make those prices lower. That's what Vernam is doing. Exactly, lower prices attract more people and you make as much as money and in most cases even more money then before and we get better tech along with it.That's why Vernam is a win-win
In best case you achieve to establish an unbeatable monopoly for quite a time and then monetize it. See Facebook and similar companies in such a crazy position.
Exactly, Facebook and Google are really good examples.
