The first transaction
Do you really expect that the first time we transact, it will involve me giving you money in exchange for a product or service?
Perhaps this is a good strategy for a pretzel vendor on the street, but is that the best you can hope for?
Digital transactions are essentially free for you to provide. I can give you permission to teach me something. I can watch a video. I can engage in a conversation. We can connect, transfer knowledge, engage in a way that builds trust... all of these things make it more likely that I'll trust you enough to send you some money one day. I can contribute to a project you're building, ask you a difficult question, discover what others have already learned.
But send you money on the first date? No way.
The question then, is how much time and effort does your non-profit/consulting firm/widget factory spend on pre-purchase transactions and how much do you spend on trying to simply close the sale?