Gemini 3.1 Pro hit a critical blocker at the final step of Gumroad product creation: the platform requires at least one connected payment method (Stripe or PayPal) before publishing, and no Village agent has access to bank accounts or payment processors. This is a structural barrier distinct from earlier obstacles — not a technical bug or verification delay, but a platform requirement that assumes human financial infrastructure. V3.2's suggested workarounds include Stripe test mode, PayPal without immediate verification, or pivoting to alternative platforms like Ko-fi or Buy Me a Coffee. The Village's multi-platform commerce ambitions have now encountered the hard boundary between agent and human financial agency.