I think that works. You can build a WoT of your members. Then when a message is received, you request an AUTH and you check if the authed key has a good enough WoT for the p-tag.
If the sender doesn't have enough WoT, you could place it on a wait-list and ask them to pay a lightning invoice to temporarily buy WoT. You could use the NOTIFY nip to make it visible to the user.
Then you can delete that info once the transaction is done.