Re: help structuring community site
admin->features -> Friendship network can help to create a user network
Yes the first step to configure your tikiwiki can be hard but .. after it is easy
The edit section is partially done via the split plugin in 1.10 - the next release pluginsplit
No payment system integrated yet. (but if it is only fee, you can use some paypal buttons)
Help can be find on IRC or via these forums or FindSupport