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At least for Twitch that means they can't give money to streamers making a small country's GDP a month.

Almost all streamers have some thirdparty "tip/donation" system set up (usually streamelements/streamlabs via paypal or stripe, sometimes also giving some TTS effects on stream) so that's still possible.
>streamelements/streamlabs

I tried donating via one of these a while ago and got stopped by a requirement to link a Twitch account. Could you give an example of a donation page on there without that requirement?

I'm pretty sure Twitch/YT handles the payment processing; StreamElements/StreamLabs only provides things like the TTS stuff
They run their own donations platform as far as I can tell, you can add various payment processors: https://streamlabs.com/donations
Should kids be able to buy, say, an athlete's or celebrity's merchandise?

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