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So on one hand, I was getting the impression that Patreon was struggling with the complexity of its bookkeeping already at that point, and then on the other hand, Patreon was forging ahead with new variations on payment models, multiplying the complexity further.

This is one of the things that inclines me to suspect that Patreon, as an organization, suffers from an especially acute case of neophilia. It looks from the outside like simultaneously Patreon is trying to reduce complexity in its code and in its bookkeeping, while it's rolling out new features and new options that add even more complexity. And the new features and options don't look like things that are mission critical, or fixes for terrible problems: they just look like somebody's Cool New Idea(tm).

EDIT: This is all a blog post now, and I further expanded it with a new THIRD section. Enjoy!

"How to Compete with Patreon"
https://siderea.dreamwidth.org/1824441.html

Thanks to my patrons for funding it!