There should be an sms(text message) payment option because alot of
young youtube users don't have credit cards, but all have cellphones.
People should also be able to transfer all/some of their google
Adsense funds into their YouTube advertising account so they can use
their Google adsense earnings to promote their YouTube videos. Here is
how it could work>>>>>

-Person logs into their Google adsense account, clicks on "transfer
funds to a YouTube account"
-Person types in amount to transfer(no minimum or maximum amount)
-Types in their email address or a friends email address, then person
or whoever funds were sent to checks their email and clicks on a link
which takes them to YouTube where they login and the transferred funds
will be in their YouTube advertising account.

There should be no transfer fees.
The email link should expire after 72 hours and the email should also
say if the person doesn't want the funds then don't click on the link.